Date Received: 2019-02-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a VA loan originated with USAA. Initially, no problems however approximately 2 years ago USAA begun using a Sub-Contract company to service the mortgage, " XXXX XXXX XXXX ''. Since that time my payment due date continues to shift. I pay my mortgage AT LEAST one month ahead of time. With the shifting due dates USAA and XXXX XXXX XXXXXXXX are leading me to believe that the mortgage payment will be due sooner than it should be. I have continuously contacted both companies and each blame the other for the issue. This is textbook deceptive business practice. It is purposely going on in order to confuse the consumer and lead them to believe that their mortgage may be late in order to garnish money well before it is due. I have been trying to fix this issue MONTHLY directly with both companies for over two years to no avail.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: CFPB is full of complaints about USAA. On information and beleif, USAA entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resoved with USAA. I recently was contacted by the USAA CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX 's from USAA, Cancelling Debt. The issue of a XXXX to the IRS achnowledges USAA has abandoned all claim to the alleged debt. I previously disputed the debt and provided USAA verifiable evidence that the debt was based on fraud and not my obligation. I provided USAA all the law enforcement reports associated with the fraud that I had obtained. USAA ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, USAA overcharged me for late fees etc. USAA was caught by CFPB and was required to issue refunds. However, USAA continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX 's to me and provided the same to the IRS. After USAA issued the XXXX 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, USAA continues to report Past Due amounts on the four credit cards and is attempting to collect.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
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: XXXX has been non-compliant with removing the unverified account USAA FSB XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that USAA FSB was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have a credit card that is owned by my ex-husband and I am secondary on the account. As part of our divorce decree, he is responsible for any debt incurred after XX/XX/2017. Since that time, I have contacted USAA Federal Savings Bank multiple times to request that my name be removed from the account, with no success or explaination as to why this is not possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX I received a notice from my bank " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. '' iao {$180.00} this has not been paid as of yet but that is a separate issue ( the payment I mean ) ... The Current issue is related, a dispute for credit/refund not given by an offshore Rental Car Company " XXXX '' on XX/XX/XXXX when I cancelled almost a month prior was never refunded by the company. I've been back and forth with my bank USAA since, they've apparently had ongoing " dispute department '' issues ( as have I with my bank ) over the years for inconsistency on notices and refunds in the past. I currently still have a XXXX XXXX XXXX complaint open on this charge ( which I was charged again today after " dispute review '' on the 3RD TRY submitting documents with ZERO NOTIFICATION. They just charged me again with no notice. I have also emailed and been in correspondence with the CEO of the bank informing them of the incompetencies of that department, apparently with little resolve. Please advise, and thank you for your time. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Was supposed to be able to open an new account after my charge off was cleared. Now I cant because usaa didnt correct information with XXXX. I AM WITHOUT MY FUNDS STILL!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 674XX
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX previous complaint file XX/XX/2018 was dismissed by company. Please take action as the agency who protects my financial information. * USAA & XXXX reported my work experience, date of employment, etc on XXXX XXXX XXXX background report * USAA & XXXX did employment inquiries on XXXX XXXX XXXX credit report to gain information -- this endangered her ability to collect her XXXX pay as she can not work. * USAA & XXXX 's intent was to prove that XXXX was not an actual person but fictious to prove that I did not have a XXXX sister. * USAA & XXXX XXXX intent is to show that I have mental illnesses that I do not have. AS the FEDERAL agency appointed to protect ME and MY PRIVATE information, please investigate what has been reported on XXXX XXXX XXXX reports and background and inquiries that are actually mine and were caused to be there by USAA & XXXX. It if vitally important to me that my sister NOT HAVE my background information or any current or future information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85015
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-04
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I have a serious problem with XXXX because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. USAA SVG BK Open date is XX/XX/XXXX 2. XXXX XXXXXXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. USAA SVG BK Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let XXXX know that they need to put these accounts on my credit report because this is a defamation of character
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Purchased dept protection plan from USAA for XXXX XXXX purchased XX/XX/XXXX with USAA auto loan. Loan amount was {$10000.00}. ( 25 ) days after purchase I was terminated from employment. I missed payments 3 months by XXXX as a result. I called to request hardship under protection plan. They asked if I was working. I said no but I had taken a small Labor contract to cover gas money. USAA denied me the protection because I had taken a short term job for a month to earn money for gas. The contract was 3 days a week at {$10.00} an hour. This was my only income. I was suffering XXXX XXXX. Lost that job as a result. But was still denied protection under the protection terms. By XX/XX/XXXX the XXXX was charged off and my USAA account closed. USAA claims no record of the XXXX loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Back in XXXX of XXXX USAA closed my checking account. Its XX/XX/XXXX now and I receive a XXXX debit cancelation of date XX/XX/XXXX for the amount of {$1600.00}. The account is closed done not active no longer have a debit card for the account. Yet usaa excepted retro pay from my VA XXXX compensation and pension claim on XXXX XX/XX/XXXX ( yet the account is closed or they told me it was ). Usaa is now holding my funds and will not release them. Saying I owed money from an account they sent me a XXXX for debit cancellation on and I filed with my XXXX taxes. Usaa is disrespectful to XXXX veterans. Why would you take money from and struggling XXXX veteran. I left usaa years ago for this very reason they dont care about the consumer. Usaa I want all of my money back and since this is the only way to not wait 45 mins to speak to someone I will write a complaint daily that you yall are committing tax fraud and stealing money from XXXX veterans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A