Date Received: 2018-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Usaa still has not contacted me from the first complaint I file and also they are still reporting miss payment to the credit bureau and its affecting my scores this loan was paid down because usaa sold the car and I never got a chance to get property out of the car that I had in there but every two I get a email from credit bureaU that i have a new missed payment I dont know what usaa is trying to do threaten to try and take my tax return.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2018-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ USAA has an option on their application to pay your credit statement directly through the app. As I approached my limit, I decided to pay it, as I normally do. Only this time, the following morning, I was informed that the payment didn't go through. So naturally, I sent it through again. After checking the linked account I am paying the bill with, all of the charges displayed that they had been taken out. However, now I am out over 900 $ ( also included is an overdraft charge on the linked account used to pay the credit bill of XXXX $ ) Now USAA has over 900 $ of mine, hasn't returned my credit limit or my funds that they have TAKEN and has been cleared by my bank. I have no available credit, they will be charging me interest on the remaining balance and no access to funds because they overdrew my checking account at my other bank. Meanwhile, they said they have to hold MY money for 10 days. Whatever the reason, their system triggered this. They have stated there is nothing they can do, which I know is false. The credit limit I have is XXXX . And I have no explanation as to why this is even remotely acceptable. This is theft from a major corporation and there has been no attempt at resolving this. Seeking legal representation to make sure this doesn't happen again to anyone else and seeking all compensatory charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2018-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: While working to close on a house, I received an email from an individual I thought was with my closing company along with another email address that appeared to be my realtor 's email address asking about wiring money for closing. After a few emails back and forth, I wired the money per the instructions provided due to email representing my realtor looking legitimate. The wire transfer occurred on XX/XX/18 for {$44000.00}. The wire went between USAA and XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2018-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/2018 I walked-in to the Regional VA Loan Center in XXXX and received my Certificate of Eligibility concerning my VA loan guarantee benefits. They told me that the minimum VA purchase price had to be at least {$140000.00} to be within the VA guidelines. I applied for loan through USAA on XX/XX/2018 for a home that I am purchasing with my VA entitlements. The home is a for-sale-by-owner in which I am doing all the work and repairs. USAA advertised no origination fees for their VA loan. and this is why I went them. Ms. XXXX was the loan officer who helped me throughout the process and took my application over the phone, she was very helpful and thorough with all the questions that I had while taking the application. ( Please see attached 1st pre-approval letter VA over {$140000.00} purchase. ) I asked Ms XXXX what could I include in the loan ( I.E. appliances, flooring, solar, pool repairs etc. ), that would help me get above the minimum {$140000.00} the VA required guaranteed amount, " she stated none of the items that I mentioned could be included on a used home purchase, the home had to be in good condition to get the loan. '' I told Ms XXXX that I would go to work on getting the purchase agreement and documents she needed for the loan as well as finish the repairs needed for appraisal. In early XX/XX/XXXX, I applied for a loan to consolidate my credit cards which I had used to for fixing up the house as well as lower my debt to income and finish ratio. repairs, I was denied, not for bad credit they said my credit was good USAA said my credit was too new. XX/XX/2018 the repairs and title paperwork on the home took longer than expected so the pre-approval expired on XX/XX/2018. I spoke to Ms XXXX a week before the expiration and she advised me to, " just reapply for the loan when everything was ready and at that time she also stated that " USAA could do a loan for under the VA guarantee amount of {$140000.00}. '' At the expiration of the first pre-approval I explain to Ms. XXXX that my mother was in the beginning stages of XXXX 's and she possibly would be moving in with me. ( I explained that we needed a quick close ), so that I could finish before my mother 's arrival. XX/XX/2018 I reapplied for a VA loan for the same house at the purchase price of {$100000.00} with just the 4 % fees paid by the seller ( see 2nd attached pre-approval letter for {$110000.00}. ) Ms XXXX submits all the paperwork this time all the documents are in as well as the {$600.00} appraisal fee. ( See attached similar complaint against USAA, number XXXX that was supposed to be an isolated incident, dated XX/XX/2018 ) VA under {$140000.00}. XX/XX/XXXX USAA underwriting contact me by phone stating that the loan had to be over {$140.00}, XXXX for me to qualify. A man called me from underwriting who didn't go through the normal protocol that I was accustom to concerning the verification and privacy of the call for USAA. Example being, " this call is being recorded for quality assurance. '' He said that he would check with underwriting and VA with other options. He never said that I had been denied the loan. Someone had dropped the ball at USAA Mortgage Department to the Underwriting Department because my approval based on the two things underwriting stated should have never made it to underwriting at all? I feel that I was mislead. Nearly two weeks had gone by and no one had called me before with this two challenges? I left a voice message with Ms XXXX for the gentleman to send me a written statement of the discussion we had over the phone ( see attachment 4. ) It was strange for me to go through all of the paperwork and almost at the end of the loan process and I am supposed to close on house by XX/XX/2018 and I am just now finding out that my net income versus gross income is a challenge? Mr. XXXX was the underwriter ( see attachment 5 ) that I spoke with and said that my taxes were in order and but it was the {$140000.00} minimum that was the problem. I feel that this was the escape clause for them to not do the VA loan. Mr XXXX offered to switch my loan over to a conventional FHA loan where my fees and USAA 's money made was significantly greater. ( I feel like there was a bait and switch going on with my loan and USAA procedures need to be revamped immediately. ) Mr. XXXX states in the letter that because I am self employed that underwriting could consider some the {$75000.00} gross income and someone would get back with me, ( no one ever did contact me back. ) I am not sure but I don't think that gross or net was specified on the application. I think the question ask for your monthly income which could be gross or net. XX/XX/2018 Contacted Mr XXXX by email concerning determination. ( No response, I checked my bank and USAA returned my {$600.00} appraisal fee. ) ( See attachment They didn't bother to let me know if underwriting would be considered any of my gross income. USAA should not be allowed to have any loans make it to underwriting with these basic oversights that need pointing out at the beginning of the loan process. This throw it against the wall to see if it stick I definitely not acceptable for veterans and their personal affairs! I feel that I wasted time and money by going through the process with USAA. My credit has been affected with all the inquiries and considerable time wasted and money not to be giving the loan. I would like all inquiries from this USAA debacle be removed from my credit reports and would like to know what recourse that I can take via an investigation through the VA Inspector Generals Office or Attorney General for my state regarding bate and switch tactics concerning Veterans Benefits? In the other complaint that are similar to my complaint, USAA mentioned that the incident was isolated, I don't feel this is an isolated incident.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company telephone Rep stated they would take my tax return for this year when I had debt protection that was never used I contacted USaa when I lost my job in reference to this matter and that I wouldnt be able to make the same payments of XXXX $ monthly due lost of employment and I purchased debt protection and I paid for debt protection and they did not apply it to my account the car was hit by a school bus while parked and the claim inspector was coming out to inspect the car and I explain that to usaa and I asked will the car be repossessed because my debt protection still has not been applied to my account the agent stated no if it was in accident and needs to be look by a inspector that it wouldnt be respossesed and the day the inspector came the car was gone
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: One of the 2 accounts from USAA is showing correctly, however one was not closed correctly with USAA, making it show negatively where they closed the account because it had been fraudulently compromised.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: XX/XX/2018 The car was in a accident and total the insurance need to come out and inspect the car I explain to usaa that I will not be making a payment the vehicle will be in inspect and when I receive the payment for damages I will make a payment to the loan and work on getting a new vehicle and combine the rest of that loan amount with my new loan. They told me that the car would not be repossessed because it was damaged and I was waiting for settlement but the inspector came out and the car was gone so they denied my claim for the accident
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
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: XX/XX/2018 I received a threatening phone call from XXXX USAA stating that they will not review my case, they will hold me accountable for fraudulant activity on my acount, per a prior CFPB report regarding fraudulent charges that have been disputed for the past year, some charges were reversed, but there is still an outstanding debt. The company states they have decided to hold me accountable for a fraudulently used convenience check. I have been a member of USAA savings Bank for 20 years and never used a convenience check to pay another person. they claim I paid someone, with this check. They are attempting to ruin my life, thay have put me in severe danger That is absolutely ridiculous as I have never written a USAA convenience check, never received, I have asked for a copy of the check, whom it was written to where it was cashed, where the checks were received and received no response. I have asked for the company to stop blatantly lying to me directly. I have asked them to put themselves in my shoes as a consumer and 20 year member and to simply do what they advertise which provide and protect consumers with XXXX liability fraud protection. This is 100 % fraud where is my liability protection? Why am I to be held accountable for this? I never received checks, I never wrote checks. They have caused me undue harm, increased stressed and should be held accountable for their actions. They do not really care about the consumer, they have no fraud protection. I would request a full audit of this company and there policies, specifically regarding denied fraud claims, as they continue to put the consumer at risk.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/18 I utilized My USAA checking account to purchase concert tickets from a seller for {$520.00}. The seller requested the transaction go through XXXX. The money was sent via XXXX and tickets were not sent. I immediately contacted USAA in less than 5 minutes of the transaction to request a freeze be placed on the transaction. I explained that fraud had occurred. USAA stated it was nothing could be done since the transaction occurs instantly. All I could do was send a request to the seller asking for money. I called my bank back again and explained the fraudulent situation and received the same answer. Bank are advertising XXXX as a feature to its consumers to use. They are boldly stating the benefits of it but not fully explaining the disadvantages to its consumers. This is cause multiple customers to be scammed by scammers. After this incident happened to be I googled XXXX and scammed. I saw numerous people with the same issue. USAA states they are not liable because they completed the transaction as requested. I feel the bank should be liable because they offer the service. The bank presented all these benefits of the service. The bank do not have proper disclosure to state this transaction can not be disputed by your bank, once the transaction is completed it can not be reversed, returned or disputed. Are you sure you want to continue? This type of verbiage needs to be added to all banks that offer the XXXX feature. There are no repercussions and banks are legally allowing the consumers to be scammed. USAA has a dispute process for a lot of transactions but to offer a service that puts customers at risk and there is nothing to be done to protect the consumer is a huge issue. Making consumers aware like they notify of other disclosures should be a requirement for banks. Or they should not offer a product or service they can not back. I've had a checking account with USAA for a long time and their service is great. Based on prior experience with them is why I trusted XXXX and the process. Now that I am aware of the exposure and risk, I feel more need to be done by companies offering a service to make the consumer aware.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, I have been transferring money from my XXXX account into my USAA account, for years now and have never had a problem. About a month ago I transferred over XXXX $ into my USAA account in order to pay off my credit card. Since then, every time I transfer money a hold get put on my account. Right now I have XXXX $ on hold. I transferred that money on XX/XX/2018, it immediately appeared in my USAA account. On XX/XX/2018 that money was removed from my XXXX account. I called USAA to try and resolve the problem, I was told that the hold will not be removed until the XX/XX/XXXX. I was informed that there was nothing they could do, and that it had something to do with the the bank to bank transfers not receiving their money, I fail to see how that's my problem.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A