Date Received: 2019-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: USAA has been incorrectly reporting the balance of a prior loan on my credit report in the amount of {$8400.00}. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, a violation of FDCPA. Also, they translated that misinformation to a 1099-C. The loan balance that they have been reflecting on statements for over a year now is {$8300.00}. Filed a FDCPA complaint on XX/XX/2019 and received a response XX/XX/2019. In that response, they noted that XXXX XXXX spoke with me regarding this matter. That is incorrect. We spoke regarding a separate complaint regarding my credit card and trying to have the late fees waived. No one from USAA has reached out to me regarding this matter and they are falsifying communication records between them and myself with their last statement to the FDCPA for complaint # XXXX. I attempted to email XXXX XXXX on XX/XX/2019 as well as this evening.
Company Response: Company believes complaint is the result of an isolated error
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a 1st mortgage with XXXX XXXX, and a HELOC with USAA. I filed bankruptcy 8 years ago, but still make my monthly payments to both of the above companies. On XX/XX/2019 I received a letter from an attorney representing USAA threatening me with foreclosure unless I paid {$1000.00} in arrears, and started making an increased monthly payment of {$170.00} as I was 6 months in arrears. I checked my bank, and all of my payments to USAA were accepted. I called the number for USAA on the letter, which now calls itself XXXX XXXX. They couldn't find me in their system. I started refinancing my loan immediately. When my loan guy and I conferenced called USAA/XXXX, they finally located my account. They admitted, over a recorded line, that I have not missed any payments. They still moved forward with the foreclosure process, and my house is now listed as going up for auction on XX/XX/2019. I refinanced my home on XX/XX/2019, and USAA/XXXX was wired and accepted the payoff of the HELOC on XX/XX/2019, they are still moving ahead with the foreclosure. I have contacted the attorney representing USAA on XX/XX/2019, and forwarded them copies of the payoff documents and the wire transfers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Since the opening of our USAA account, they have continuously posted transactions accordingly to the account. The account would reflect the transactions within the business day, displaying the proper available balance. Then, our transactions would disappear for a whole business day, reflecting that amount of money back into our account. We would then spend the money USAA told us was available. The next day the previous transactions appear along with our new transactions, reflecting a now overdrafted balance. I believe they use a computer algorithm to do this on purpose to those with continuously low account balances in the hopes of charging us overdraft fees. For example, recently on the XXXX of XXXX, we made XXXX separate purchases of {$14.00} to the XXXX XXXX XXXX via XXXX and the official website. These transactions posted to the account and reflected in our available balance on that day. Yesterday, ( XX/XX/2019, a whole week after the payment posted ) I checked my account balance and saw I had {$30.00} available. I looked through my purchases thinking there might be some mistake, but didn't see anything amiss ( though thinking back, I didn't see those XXXX specific purchases listed. ) I spent the {$30.00} yesterday. Today, I awoke to see that my balance is overdrafted and suddenly the XXXX purchases are listed as having been Authorized and Posted yesterday, XX/XX/2019! Yet I have been using my subscription this whole time and was never made aware of any problem with my transaction. This is predatory banking practice and highly unprofessional! We entrust our money to a bank with the expectation that our transactions go through in a timely manner and that our accounts are balanced properly. In having a Visa Debit card with USAA, it is inherently understood that I should not need to balance my own account with pen and paper as I would have to with a check. I will not pay another overdraft fee because of their mismanagement of my account and I expect that they be the ones who are fined accordingly for preying on low income families ( and MILITARY FAMILIES at that! ) Yes, in some degree this is my fault for trusting the available balance listed and not expecting to be yet again cheated by their predatory algorithm. One should be conscious of how much money they have to spend regardless of what their bank tells them. It seems almost too absurd that a bank would do this to a customer and yet, here it is!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 52806
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: USAA has continued to reorder transactions to maximize their fees in my account and delay USAA to USAA transfers to bounce transactions. I am " opted out '' and thus if I do not have enough money, debit transactions should be declined. Instead, they reorder charges to always process ACH transactions last, so debits always go through and they can charge overdraft fees on the ACH transactions. On XX/XX/XXXX I added {$200.00} to my USAA account from USAA brokerage. On XX/XX/XXXX a {$90.00} ach was bounced because even though USAA had my money and had taken it from my brokerage, they did not credit it to me until XX/XX/XXXX, essentially holding it themselves on the day of XX/XX/XXXX so it was available in neither USAA account and resulting in a {$29.00} NSF fee. Then, they charged another {$25.00} overdraft fee by reordering transactions that same day they had my money not credited to clear the ACH last instead of a debit last, which would have resulted in no fee, to say I was - {$1.00} because of an ACH. They continuously reorder fees to process ACHs last on people that are opted out to maximize fees, and also process largest to smallest then to maximize fees. In addition, they delay USAA to USAA transfers making the money available in neither account to hold money for a day to bounce items.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX while I was out of town in GA someone created a XXXX XXXX online account in my name and withdrew {$490.00} from my checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and XXXX XXXX multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call XXXX XXXX or text XXXX XXXX during that time. I am not sure if this has been happening to anyone else, but something needs to be done.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There have been several unlawful and unauthorized usage of my credit card from USAA towards the end of XX/XX/XXXX. I made several attempts for USAA to correct this but it did not.I continued making payments on XX/XX/XXXXXX/XX/XXXXand somehow someone withdrew the same amount that I have made and USAA has not properly and completely credit my account. This unlawful and unauthorized transactions continued during the months of XX/XX/XXXX after a payment had been made by me. And since my account had not completely credited, USAA continued to pile up all sorts of fees on my account and also failed to credit my account. On XX/XX/XXXX, after I made several calls to USAA in an effort to have my account be corrected, I called in to cancel my account due to those unlawful and unauthorized charges. In fact, even after such an account was closed, there were additional unlawful and unauthorized activities in my account, USAA claimed that such an account had been used in XX/XX/XXXX. And as a result, my account is completely botched up and it is hard to know what's due on it. Although USAA and I do communicate and are trying to resolve the matter, I do believe that they have also been charging me and assessing unlawful fees into my credit card account, such as charging me on previous billing cycles, among other charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I learned on XX/XX/XXXX, from USAA that On XX/XX/XXXX, a USAA credit card application was initiated and approved using the USAA member number XXXX in my name XXXX XXXX XXXX for an individual account that I did not open. This XXXX card required a USAA member number that I did not know, nor did I ever know I had. It reported a monthly income of XXXX which is not accurate. I was unaware that I had access to a different XXXX USAA credit card with a XXXX limit. The XXXX USAA card was opened jointly in XXXX and approved using my income, but without my knowledge or consent using the same member number. On XXXX XXXX, XXXX, The records show a change of address for XXXX XXXX to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA. The same member number was used on the same day for this new application with a XXXX credit limit. There are 2 drug purchases on the initial XXXX approved XXXX USAA attached to my name. Those RX prescription drugs were purchased in XXXX and XXXX from XXXX Florida for a total of XXXX. In addition, a highly suspicious XXXX balance transfer and unknown cash advances were purchased on the card opened in XXXX. The joint USAA account was open for over 10 years after the first application using my name and XXXX income, was closed in XXXX on the same day of this fraudulent activity. This number is associated with veteran XXXX, XXXX XXXX, and her ex-husband XXXX XXXX. A check for XXXX from USAA was sent to XXXX XXXX on XX/XX/XXXX? Why? Is this part of fraudulent activity?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
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 no knowledge of these two USAA delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below Usaa XXXXxx Usaa XXXXxx
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: please see handwritten attachment ( scanned ) labeled 1 on side ( notebook paper ) and should be XXXX to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent money through my bank through XXXX and I got scammed by the recipient. I sent XXXX on XX/XX/2019 at XXXX I would like to report this to the recipients bank
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A