Date Received: 2019-05-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX USAA illegally closed my Visa Credit Card, Checking and Savings Accounts, and Certificate of Deposit based on UNLAWFUL RETALIATION against me exercising my basic consumer rights to dispute wrongful charges. Then falsely claimed their actions are based on my " UNACCEPTABLE BEHAVIOR OR ACTIVITY ''. In this case USAA is deliberately violating THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT by illegally discriminating based on race, and national origin, and because I have in good faith exercised my rights under the Consumer Protection Act. XXXX XXXX XXXX ; ( In Re : USAA Bank accounts held from XXXX - XXXX ) XXXX-XXXX-XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
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 have sent multiple letters to USAA to verify my accounts that they are reporting on my 3 credit reports. They have not provided me with any real proof that the account is mine and that they can keep it on my credit reports. They are refusing to reinvestigate saying that I have not provided enough information But I have sent them the information that I got right off my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bank-USAA XX/XX/XXXX, my money ( {$240.00} ) was taken from my checking account in an auto draft for payment towards my credit card account. The amount of {$240.00} was never credited to my balance, and I have called and gotten hung up on twice, as well as had 3-4 chat conversations with help agents. One of the agents said that they would open an investigation of sorts to see why my payment hasnt applied. They said it would take 2-10 business days. I have waited and have not been contacted at all by USAA neither through phone calls or emails. I have proof that it was taken out on the XXXX, and a letter from USAA themselves saying that they are taking the money a week before the charge went through. As it stands now, I have another auto draft coming on the XXXX of XXXX and I am wary of losing more money.
Company Response: Company believes complaint is the result of an isolated error
State: MS
Zip: 38655
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: USAA sent me a fraud alert on Saturday, XX/XX/XXXX to notify me that someone may have made an unauthorized transaction on my debit card ending in XXXX. Indeed, someone completed an unauthorized transaction on my card at XX/XX/XXXX. The amount was {$160.00}. I called USAA on Saturday, XX/XX/XXXX to ask for a new debit card and to report the transaction as fraudulent. On XX/XX/XXXX, the bank emailed me to let me know they had determined the transaction was not fraudulent. This seemed strange to me the bank had just emailed me a day before to let me know of this unusual ( and fraudulent ) transaction, and now they were determining it was authorized? To make this transaction even more unusual, an unauthorized transaction was also completed on my credit card on the same day at the same XX/XX/XXXX. ( The dispute for that credit card transaction at the same XX/XX/XXXX has not been resolved yet. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2019-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called USAA on XX/XX/XXXX to help me resolve a debit card dispute for a transaction that took place on XX/XX/XXXX in the amount of {$6500.00}. The company I am disputing with has a class action lawsuit pending against them for bad practices etc. I specifically asked the representative it was too late to dispute the amount, she said no. She said she could dispute it for me with out any problem, which she did and gave me provisional credit. She then told me I needed to write a letter to ensure they got my side of the story while they investigated. I wrote a long letter to explain everything .... I received the provisional credit on XX/XX/XXXX and patiently waited for the results of the dispute after Id gathered my evidence and wrote my letter as instructed only to hear back from them 3 weeks later on XX/XX/XXXX saying my dispute was filed too late and they would be removing the provisional credit without even investigating. This seems crazy to me as I am sure there should have been training in place to let the first representative know not to file the dispute if it was past the timeframe to file. In addition, why did it take 15 business days to get back with me to tell me they werent going to investigate. Which means they didnt even start looking into my dispute or my letter that I took the time to write per their instructions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45014
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a XXXX vet that relies on my VA XXXX money for food and gas and paying Bill 's. I have made an error in transferring and scheduling that caused me to overdraft but quickly transferred funds to cover the mistake and now USAA bank is holding my funds even though the savings reflects positive balance. I have no food and gas and I said I am service connected vet that relies on my va diaqbilitity that they are currently holding and wont release to me. Today is Friday and they said my funds wont be released to me until Tuesday and what am I supposed to do for food and gas till Tuesday. The resolution rep XXXX from USAA Bank is not willing to release my funds because she said my account was just opened. Even though it is clearly shows that the funds are cleared by my other bank 3 business days ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98684
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Reported fraud on XX/XX/XXXX. A {$1500.00} transfer was made to a XXXX which I have no idea about. Also a {$76.00} charge for checks that usaa said was sent to some woman i have never heard of in another state. My account was credited these amounts in the following days. Since, i transferred money to my credit union account in the amounts of {$4900.00} and {$4900.00}. It was in my credit union account for over a week when USAA requested it back from my credit union? It was withdrawn on XX/XX/XXXX and as of today, USAA has not given me credit? Im out almost {$10000.00}!! Please help! Ive spoken to dozens of people at USAA and get a different story EVERY time! No one cares! I need this money!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to log into my account today XX/XX/2019. USAA gave me this my online access has been restricted to security concerns. I don't know the reason for them to deny me access to my online account. I have been with USAA for over 2 years now. Now all of a sudden my online access has been restricted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: USAA XXXX LOAN XXXX I. Am 100 percent service connected veteran exempt from property taxes. I had the county assessor write a letter to the mortgage company verifying this but they are not honoring the letter. They continue to try to collect escrow property taxes from me and are not applying the mortgage payments I am sending every month.They state they have to wait for the second installment in XX/XX/XXXX from the county assessor to verify the exemption, and meantime they are reporting my loan delinquent to the credit bureau. I am paying my mortgage and insurance every month but they are holding it in suspense.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2019, my wife, daughter, and I each received letters via U.S. mail from USAA Federal Savings Bank in XXXX XXXX, Texas, that the bank had chosen to " exercise its right to no longer do banking business with '' us. The letter further stated that " certain obligations were not met '' without elaborating on the nature of the supposedly unmet obligations. Within the following month, the bank did indeed close all of our checking, savings, and credit card accounts. According to FCRA, ECOA, and similar regulations, financial institutions must provide rationale for adverse actions taken against customers. Our numerous phone calls to the bank, and even a letter we penned to the president of USAA, went unheeded with responses of " There's nothing we can tell you. '' To make matters worse, we are still insurance customers of USAA " in good standing '' ; however, when the bank terminated our banking relationships, the bank also disabled our access to the USAA.com website -- including online access to our insurance documentation. Our requests for the bank to reinstate our access to the website ( so we can print automobile insurance ID cards, make insurance payments, and the like ) have been ignored. Other USAA insurance customers in good standing have access to the USAA.com website. The fact that USAA refuses to reinstate our website access is unfair and unequal treatment, based solely on their unrelated refusal to continue a banking relationship with us. To summarize, USAA must provide specific reasons for their adverse actions against our checking, savings, and credit card accounts, and must reinstate our access to their website for our continuing insurance relationship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A