Date Received: 2019-02-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Greetings to whom may concern ... I recently had my account seized for child support payments. I know you do not give legal advice, but my complaint comes from an USAA employee, XXXX XXXX, willfully released my information ( SSN, drivers license, address, and my full account to my checking and savings ( which also by laws states they can't go into your savings only your checking ) to the Texaschild support agency without my acknowledgement on XX/XX/2019. My accounts were frozen on the XX/XX/2019, because of such an act I have been living off of XXXX XXXX bucks for two weeks. They didn't even notify me of such illegal practices..yet The bank, USAA website states XXXX we don't sell your information '' " your information is confidential. Yet they violated my rights under Title 42 USC Chapter 7 408 ( a ) ( 1 ) social security disclosure is a felony ... under Privacy Act of 1974 ( 5 USC 552 sect. 7 ( a ) states " it shall be unlawful for any Federal, State or, local government agency to deny any individual any rights benefit or privilege by laws because of such individual refusal to disclose his social security number '' And also violation of " 42 USC 1983 under the color of law '' I will also be applying a letter to the CEO of the company and hopefully resolve this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: USAA froze my account until we paid them {$1700.00} leaving me only {$80.00} to feed my kids. Saying it was due to fraudulent claims, which I had no notice of what so ever. So to unfreeze my account they forced me to pay. So they took my money and I cant even provide for my family.
Company Response: Company believes complaint is the result of an isolated error
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX, USAA reversed a temporary deposit credit of {$60.00} from a poorly handled dispute opened on XX/XX/2018 On XX/XX/XXXX, they submitted another credit reversal for {$60.00} leaving my account {$48.00} negative. I have tried earnestly to reach someone with USAA dispute department to no avail. There were multiple representatives handling my personal information and I know this dispute has been handled poorly and unprofessionally. I would like them to return the {$60.00} they inadvertently took and close this dispute so I can leave USAA entirely. This is the second complaint I have made regarding USAA handling of my accounts and the dispute department.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: in XX/XX/2018 opened 2 $ XXXX cd 's for a XXXX yr term at 2.12 %. around XX/XX/2018 USAA began taking money from the CD interest deposit and around XX/XX/XXXX they said it was because of the XXXX not being on file, around XX/XX/XXXX the XXXX issue was resolved the XXXX was found on file since the start of the CD and the deductions should have stopped. The deductions continued and were not even accurate but continued, calls to USAA resulted in assurances that the deductions will cease and return of the deductions will be provided, no return calls ever received deduction continued. In a desperate move the CDs were cancelled and money withdrawn from USAA the penalty was indicated as a portion of the interest paid but the resulting penalty was a deduction of interest and principal form the CDs. Additional calls to USAA seniors and agents resulted in a call from someone who never called again who said the issue is under review. No information on my CDs with USAA is now available on line at USAA under my file and account numbers, no interest XXXX or indication that the CDs ever existed is available.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX I received documents and a welcoming letter from USAA about opening a checking account. However, I never did nor authorized such an action. The account number is XXXX and appears to have been opened earlier in XX/XX/XXXX. I spoke with the bank staff including XXXX and XX/XX/XXXX, both customer service support who did confirm that this account was opened in my name, had my correct SSN and address but a different email address. They confirmed that a debit card was issued and an initial deposit made into the account, again, with no knowledge on my part. They also confirmed that the debit card was stopped by their fraud department but the account is open but on a hold as of XX/XX/XXXX. I requested several things be done immediately but they could only promise that I would be a call within 3 business days. I requested the following : The account be closed immediately with all funds redirected to their fraud account My name and all other information be removed from this account. Issue a letter by end of day XX/XX/XXXX confirming that all was accomplished. I inquired how a bank account could be opened without any credit check or other validation done by the bank. I have my credit reports frozen on all three credit agencies due to possible breech of my personal data. They could not answer that question and I am concerned for all their clients that no validation is done before an account is open. I believe this to be a scam attempt, opening a checking account with minimum deposit and then issuing fraud checks against insufficent funds. My concern is that this activity and/or closing of the account by the bank will be reported to the agencies and appear on my records, thus damaging my credit worthiness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: My ex wife took out money from usaa after filing for divorce using my identification and military XXXX papers
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01810
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My husband has an account with USAA credit card. I do not. My name was removed from this account, as USAA stated in their rationale for lowering my credit score, in XX/XX/XXXX. ( They knowingly interfered with my credit score. ) I have contacted XXXX twice ; the first time I contacted them was in XX/XX/XXXX when XXXX lowered my score because of my husband 's debt -- my husband has a credit repair ( XXXX XXXX XXXX ) company helping him pay this debt off since XX/XX/XXXX After my first contact/complaint in XX/XX/XXXX, they raised my credit rating to XXXX, and after the XX/XX/XXXX reports from USAA stating further delinquency ( he has been paying ), XX/XX/XXXX lowered my credit score again to XXXX or XXXX, then, when I complained again this IS NOT MY DEBT, my credit score was raised to XXXX, using the excuse that since I don't have any real estate encumbrances, they had to leave it at XXXX. Today, when I looked at my credit score, it is XXXX, no reason given for the lowering activity. This is punitive.
Company Response: Company believes complaint is the result of an isolated error
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I canceled auto insurance in XX/XX/2011 for a vehicle that I no longer possess. I was told numerous times that XXXX XXXX called in and reinstated my insurance causing a XXXX bill with USAA auto insurance company. It is now over XXXX years old and they refuse to stop collecting for it. This is one variable that is illegal. Secondly, charging insurance for no vehicle. Most importantly, allowing a bank to undermine my account. Furthermore, I called USAA over a 100 times and they care less. I received a letter that you all stepped in regards to my closed checking accounts and USAA discriminationed against me with checking, auto loans and a secured credit card offer. My credit is stellar. Their out of control. I would appreciate any help at all with these matters. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, I purchased carpeting costing {$2000.00} from XXXX XXXX in XXXX XXXX, VA. I had planned to use a convenience check sent me by my USAA Visa credit card in order to have the ability until XX/XX/XXXX to pay USAA at 0 % APR. I called XXXX XXXX to make sure they would accept my convenience check. They said yes, they would. When I went to make the purchase, XXXX XXXX couldn't accept it after all. This is the first of many misleading statements given me by XXXX and USAA. I then spoke to USAA about this and they said to put the purchase on my HD card and they could do a balance transfer then pay HD and I would then owe USAA. I got the transfer confirmation by email. For some reason USAA sent the payment for above said amount to HD Headquarters in XXXX, Ga. instead of their credit card payments center in XXXX, Ky. When I started to see from XX/XX/XXXX I was getting double billed, l called XXXX XXXX and told them of the balance transfer and they told me that they were not yet paid by USAA. I called USAA and informed them of this and found they sent the payment to the wrong place and gave them all the contact info for the HD credit center so payment could be made. In XXXX I again received a call and bill from XXXX and was told USAA didn't pay them still. I explained what I discussed with USAA, XXXX suggested I fax them proof of the balance transfer and bills from USAA and also to have USAA get their check back from XXXX and resend it to XXXX. Each month until the present time I keep receiving bills from HD and USAA and kept speaking to both parties. XXXX claimed that they received no fax from me then changed their story a few minutes later and said they found my fax. XXXX also told me to show proof of payment by sending a copy of the cancelled check from USAA or have them send it. All through these past months I've been trying to get a copy of the check USAA said they sent getting double talk from them concerning the check. They've told me that no check was not sent to XXXX, they could only get an image from the back of the check, they sent the copy back to XXXX support center, I spoke to the person they said they sent it to in XXXX support center and he said he didn't receive the copy but only spoke to someone at USAA and finally the check was in the XXXX business account and USAA said that they couldn't get it back because their two banks can't communicate with each other. Finally the USAA investigation department said on XX/XX/XXXX, there's nothing more they do and suggested that I contact this service. All the while, both XXXX and USAA claim they can't help me. When I suggested they contact each other directly, they both claim they can't do that either. Meanwhile, I'm stuck in the middle of all this, my excellent credit is suffering and I'm severely limited as to what I can do. Nobody is working with me and XXXX is racking up late charges and threatening collection action for something that's clearly no fault of mine. XXXX also told me if this isn't resolved by XX/XX/XXXX, I'm going have to pay the bill in full with a high interest rate of 26 %. I'm a XXXX XXXX XXXX veteran still raising a family and can't afford that action. I am basically being told it's my problem alone and I have to find a solution. This is all inexcusable. I have tried one last time to send proof of balance transfer to XXXX on XX/XX/XXXX. I am very dissatisfied with the lack of support from USAA of which I've been a customer for over 20 years. I'm also dissappointed with the conduct of XXXX of which I'm also a longtime customer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2019-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Attached please find [ 4 ] Form XXXX issued by USAA wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following USAA Credit Card accounts which I have repeatedly disputed. USAA : # XXXX, USAA : # XXXX, USAA # XXXX, USAA : # XXXX. Each dispute was met by USAA 's claimthat they verified the account as accurate. Recently, I received refund checks from USAA related to these accounts. I was told USAA had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The USAA revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain USAA members would be reimbursed for USAA 's errant ways. As the attached XXXX will attest, USAA has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A