Date Received: 2019-03-16
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2019 our title company ( XXXX XXXX XXXX ) wire transferred $ XXXX to USAA credit service department in XXXX XXXX Texas, to pay off our USAA credit card. The purchase of our new home was contingent on this card being paid off. We had confirmation that XXXX XXXX XXXX properly transferred the funds to the correct place within USAA. After several hour plus phone calls and even attempting to escalate the issue, Even after 10 days, USAA has not resolved the issue and can not locate our money. XXXX XXXX XXXX has proof it is with them. USAA is claiming there is nothing they can do but they clearly have our $ XXXX. We need this resolved immediately since USAA is not working to resolve this issue. We were even told they cant help us on the weekends, so call back later. This after speaking to a rep for an hour!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My husband banks at US AAbecause hes a veteran I started my bank account in XX/XX/XXXX when I XXXX and XXXX XXXX it was just my account. XX/XX/XXXX I was put in iXXXX for no reason I was never mirandize read my rights while I was away my father in-law got put on our accounts. My income tax got taken and disappeared. I have pictures of the totals not matching up and lately have caught them re-coding debts to steal money. They dont even treat me like Im a customer when I call they just leave me on hold I have to complain over and over again about charges I did not make on my account I had to XXXX them basically to take my father-in-law off my account saying I never authorized it and I didnt care. We are pretty sure that our in-laws came to steal from us but the bank let it happen
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I secured an auto loan from USAA in XX/XX/2018. I was told the interest rate on the loan will be 4.27 % based on my credit report. I agreed on the terms and the documents were sent over the phone for me to sign. I had less than five minutes to sign the electronic documents because the loan officer was wating in the phone. I have made payments on the loan over a year with no missed payments but the amount is not decreasing. I called the bank to inquire and I was told the vehicle 's age and the amount changed the intrest rate to 8.25 % and there is nothing they can do because I should have read the fine prints before signing the contract. I was not informed about this change until two days ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
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: I noticed 2 charges on charge card on XX/XX/XXXX that I did not recognize. The dates were for XX/XX/XXXX for {$82.00} and XX/XX/XXXX for {$89.00}. I called USAA Federal Savings Bank. They said on XX/XX/XXXX they would remove the charges. I may not hear anything for several months. On XX/XX/XXXX I received a email that they were working on it. On XX/XX/XXXX I received a email that the case was closed and on XX/XX/XXXX these 2 merchants received their money back. I was very angry because they didn't give me the opportunity to state my case. They told me I could and I did but it didn't matter they had been paid on the XX/XX/XXXX. I sent a XXXX folder with my documents to the Corporate Office and heard from XXXX XXXX XXXX XXXX XXXX I phone number XXXX ext. XXXX. She said that the Dispute Claim Stands. Then I sent her documents from the Federal Trade Commission that states that if you receive a free Item. You can not be billed for another amount later. It is against the law. Today on the FTC web side that third partys can not bill. Law 15 U. S. C. # # XXXX These were numinous names for which I was told was something they didn't care about. I only dealt with one company. XXXX and XXXX of Florida was who I got the Free Bottles from. Other names were XXXX of CA, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Accounts XXXXXXXX and XXXXXXXX Military Affiliate Credit Cards. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. Business Projected Income is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. USAA is only for USAA members and Military and family members. The Military affiliate credit cards were never open to Non Members and Non Military at any giving time. Sending me phony XXXX tax forms and a {$10.00} dollar refund check with different account numbers. XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. I GOT XXXX!! USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Accounts XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. XXXX XXXX XXXX is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. USAA is only for USAA members and Military and family members. The XXXX XXXX XXXX cards were never open to Non Members and Non Military at any giving time. Sending me phony 1099-c tax forms and a {$10.00} dollar refund check with different account numbers. XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. I GOT XXXX!! USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Consumer Financial Protection Agency E-mail XX/XX/XXXX Dear Sir, Madam, I have fallen behind in my credit and payments. USAA refuses to cooperate. Most of the firms with whom I owe, have awarded me hardship status and accept half-payments until I can sell my residence, my last asset. It is listed with a realtor and on the Internet under my street address. I will be XXXX next month. My wife is XXXX. We have reached our medical limit for working. I am lame from XXXX XXXX in XX/XX/XXXX when I contracted XXXX. My XXXX started XXXX in the XX/XX/XXXX with XXXX XXXX. I had the first of 12 intrusive XXXX XXXX in XX/XX/XXXX. In that year, I started menial jobs at XXXX and security guard cites. In XX/XX/XXXX, I left the XXXX XXXX as they require staying outdoors for 12 hour shifts. In XXXX, that's often at 114 degrees. I self-educated to obtain an insurance license in XX/XX/2017. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I could no longer work from my computer and retired from selling insurance. My total income is from our joint Social Security. I have gained hardship status from my other lenders, primarily XXXX and XXXX. USAA verbally agreed to accept {$30.00} a month. Nevertheless, they treat my payment as a partial payment and charge me a {$30.00} late fee. I respectfully ask that you review the matter and assist me in gaining a hardship status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received an email from USAA Bank in Texas on XX/XX/XXXX stating that I will receive a restitution payment of {$180.00} deposited into old USAA account. If I closed old USAA account the consumer finance protection bureau will mail paper check to me. It's now XX/XX/XXXX and I received no check. And, USAA said there is no way to track this. Even though I called USAA XX/XX/XXXX. USAA said too soon to tell as well. Since, my XXXX XXXX apartments in XXXX XXXX, Arkansas stole my Veterans Affairs UPS shipment on XX/XX/XXXX Police report number XXXX filed XX/XX/XXXX. Neither, managers, XXXX XXXX or XXXX XXXX, knew who did this. I need for you to look into this check and send to my newly opened Post Office Box. I'm not receiving mail regularly. I also have a fair housing complaint with XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, we were notified by USAA that our credit card as well as checking and savings accounts were being closed. Neither were in default or any other problem. I have spoken to four or five individuals at USAA and the only information I have been given is that according to some law passed in XX/XX/XXXX by congress, they have the right to cancel and not inform the client why the accounts were closed due to unacceptable behavior or activity. I have used USAA for over 50 years and my credit rating is excellent, yet they will not disclose their reasoning. I first called the CT State Banking Commission and they informed me to file a compliant with you. After listening to what I had to say, they said it sounded like USAA thinks I am laundering money. I am in the XXXX field and XXXX years ago on XXXX XXXX I was involved in a serious accident. Having to retire, we decided I was still able to help out in XXXX, so I still maintain my licenses. We spend about 6 to 7 months a year there and I do use the ATM machines there to access money. True the USAA account is not my primary account since I use a local bank in a small town that knows us well. However, using the USAA account has some benefits that our local small bank dose not have, such as home deposits and the first so many ATM charges are free. I served my country as an XXXX in the XXXX XXXX, so I feel I am entitled to that benefit. I do not feel that any citizen of the USA should be treated as if they liven in a country controlled by a dictator where they are subject to the whims and wishes of those in power. Since when has the US not followed the law where the individual is innocent until proven guilty? More important, how about false incriminations and not being told of the charges? Our country went through a very negative period not many years ago about such acts, are we now headed toward another such era? I have been told that if asked if I have ever been turned down for any credit cards or banking accounts, I must now answer YES. This is totally unfair to any citizen and especially a veteran, who has served this country. I would hope you would be able to answer my concerns. Thank you,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2019-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A