Date Received: 2018-11-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 4 years I finances a house with USAA mortgage. The VA process want not bad. USAA told me repeatedly that I would pay XXXX at closing ; actually paid over {$8000.00} including the first mortgage payment that was never applied to the loan. After that USAA turned the mortgage over to XXXX XXXX XXXX. Every year I submit XXXX County tax documents indicating a property tax exemption. Every year XXXX XXXX XXXX collects the amount of {$140.00}, holds it in escrow to profit interest on it then sends it to XXXX County. And each of the past four years XXXX XXXX XXXX told me to go make XXXX County give me the money back. USAA and XXXX XXXX XXXX are taking my ( possibly many others ) property tax, holding it for investment, making money on it, then paying tax that is not to be paid. This practice needs to stop. To a XXXX XXXX XXXX employees credit in XX/XX/2017, she tried to have a permanent waiver on my account but the processors would not even give her answer of why it was not done.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-19
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 SVG BK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA SVG BK 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 can't verify or dispute the facts in the complaint
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2018 : XXXX received a NSF Email Alert on his USAA Classic Checking account re {$1100.00} from his USAA VISA Credit Card has successfully been transferred into his USAA Checking account to cover XXXX XXXX Home Mortgage Ebill Payments or Debits on XX/XX/2018 in the amounts of {$5.00} and {$1200.00}. XX/XX/2018 : XXXX calls XXXX XXXX at XXXX, after a about a 30 min conversation is told that it appears someone has accidentally paid their Ebill Mortgage by entering a wrong account number off by one digit from XXXX account. XX/XX/2018 : XXXX calls USAA Fed Saving Bank & is told to file an electronic dispute to correct the situation. XX/XX/2018 : XXXX goes online & clicks on the XXXX XXXX " dispute '' button and clicks on " button '' to deny recurring debits.. signs using the eSigns button. XX/XX/2018 : XXXX calls USAA Fed Saving Bank and receives confirmation that are aware of the dispute. XX/XX/2018 : XXXX downloads " USAA Written Statement of Unauthorized Debt '' PDF form. XX/XX/2018 : XXXX completes. signs and mails the " USAA Written Statement of Unauthorized Debt '' back to the USAA Fed Saving Bank. XX/XX/2018 : XXXX calls USAA Fed Saving Bank and is told again that they are aware of the situation and that he will receive either a letter or email within 10 day discussing status with the final dispute settlement within 45 days. XX/XX/2018 : XXXX calls USAA Fed Saving Bank to get an update... operator goes off line for about 30 mins, returns to say that my " dispute '' appears to be " fraud '' and my account is compromised, she forwards me to a fellow USAA associate who sets up my new USAA checking account... based on her 2nd recommendation, I immediately electronically transfer the approx {$2300.00} from the old to the new account. XX/XX/2018 : XXXX receives a " No Fraudulent Activity Found After Review of Your Claim '', Claim Reference : XXXX, electronic text Notice from USAA Fed Saving Bank based on your XX/XX/2018 inquiry... Notice further indicates " Our decision is based on multiple USAA system security records, No further action will be taken. XX/XX/2018 : Summary : I find this particularly unfair as someone has ripped me off for {$1200.00}... the denial of my claim also impunes my personal integrity suggesting I was in someway negligent or permitted this transaction to occur... respectfully request CFPBs assistance in tracking down all the details, electronic foot prints, etc to find the person/s ( who ) and method ( how ) this XX/XX/2018 unauthorized transaction occurred... this claim denial comes at a particularly stressful time in our life as on XX/XX/2018, our Main House, sons Gate House, and tenants Guest House were totally destroyed along with 3 detached garages and 1 workshop. We also lost our XXXX XXXX business to the fast moving West Fire that originated 800 feet from the east side of our ranch/estate, XXXX XXXX XXXX, XXXX, CA XXXX... Standing by to provide additional information, answer questions and documents
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2018-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been a USAA member for 25 years and have had the same USAA credit card account for 24 years. I typically carry a balance on my credit card, in fact, over the last 24 years, I have paid nearly {$30000.00} in interest charges and have a tremendously good history of paying my account on time every month. I am sure my internal rating with USAA on this specific account is considered exceptional. I am currently applying for a home loan and have decided to reduce this balance to improve my credit score. Unfortunately, lending practices place far too much emphasis on this irrelevant score and I must comply with this unfortunate practice in order to qualify. I made two payments to my USAA credit card on XX/XX/XXXX for {$3000.00} and {$10000.00} and XX/XX/XXXX for {$2200.00}. All payments were drawn from my XXXX checking account that has been used to pay my USAA payments for the last 10 years. At the time of payment, the checking account had more than {$25000.00} in available funds. USAA 's payment services advised upon payment that it may take up to 3 days for payments to process and clear. All three payments cleared my XXXX account on XX/XX/XXXX. USAA gave me credit for the {$3000.00} payment and the {$2200.00} payment, but decided to place a hold on the {$10000.00} payment for one week. Although they are showing the payment amounts credited, they have not updated my " available credit '' and advise they will not do so until XX/XX/XXXX. This is in direct violation of their credit card terms and conditions, as attached. All three of my payments satisfy their stated payment conditions and should have been credited by XXXX XXXX CST on the day of payment. Instead, they have chosen to subjectively apply the caveat from paragraph 24 that states " We may, but are not required to, accept any payment that in our sole discretion does not meet the above requirements or that we deem to be of a questionable nature '' under the condition that my payments are of a " questionable nature. '' ********* I have been a member of USAA for 25 years. This account has remained in good standing and has been in place with USAA for 24 of those years. I have or have had accounts with USAA for investments, mortgages, auto loans, property insurance, auto insurance, personal property insurance, credit cards, and others. I have literally paid this company hundreds of thousands of dollars in fees and payments over the last 25 years without ever having a late payment. Over the last 10 years, I have drawn the majority of these payments out of my XXXX account and every single one of those payments has cleared on the first attempt. Relative to my credit card, the amount of these payments have not been regular in nature and I have often made payments of several thousands dollars at one time. I have an annual income of over {$300000.00} and well over one million dollars in personal assets. USAA currently insures me for nearly 2 million in property and umbrella insurance. I served my country as a XXXX XXXX for 15 years, hold a very high level security clearance and have absolutely no criminal record. And yet considering all of these facts, USAA wants to classify my payment of {$10000.00} as " questionable in nature. '' This determination by USAA is baseless, has impacted me personally with my current mortgage application and is not compliant to their stated credit card terms and conditions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2018-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2018 USAA Bank withdrew, without authorization, enough money to overdraw our checking account, causing a large number of Overdraft Fees. The amount of the withdrawal was {$300.00}, and the total amount of overdraft fees caused by that withdrawal was {$170.00}.
Company Response: Company believes the complaint is the result of a misunderstanding
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
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: On XX/XX/XXXX, I purchased two suits from XXXX, a company that makes bespoke suits. This company committed fraud, did not meet its terms of service, and lied about their shipping arranagments to me. I received the suits, to an address in XXXX, because they would not ship the suits to XXXX XXXX, where I currently live. This is despite nothing in their terms of service claiming they would not ship to XXXX XXXX. It only states they do not ship internationally, and XXXX XXXX is part of the United States -- so the shipping would indeed be within the same nation and not " international '' The suits, which I had to fly to XXXX to pick up, did not fit me at all. This was despite a guarantee they would. They refused to allow me to get them tailored in XXXX XXXX, again claiming in International. XXXX XXXX is not international, and to highlight the absurdity of this argument they could of simply used the USPS and not paid additional shipping costs. Also, I would even be willing to pay additional shipping costs. My credit card company asked for a letter from a competitor, which I was able to get and provided. This gave the expert opinion that XXXX was not acting within industry practices. I also provided all my correspondence indicating they would not remake the suit from a tailor in XXXX XXXX and they would not honor their guarantee. Despite this, they would not reverse the charge. This is against their terms of service. XXXX also refused to accept a return of the suit and provide a refund.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 00959
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
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: This dispute pertains to a Credit Card with the USAA Bank Dispute For Credit Card Ending In XXXX USAA Dispute Case # : XXXX Credit Card # Ending In : XXXX Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/2018 Transaction amount : {$140.00} Disputed Amount : {$140.00} To whom it may concern : On the morning of XX/XX/2018 I was in XXXX, XXXX and I made reservations via telephone with XXXX XXXX XXXX to have a car reserved in the city of XXXX, XXXX where I was going to fly to later that morning. The reservation was made and upon arrival at the XXXX XXXX XXXX XXXX in XXXX XXXX the car was waiting for me at their XXXX office. I paid {$130.00} USD ( {$390000.00} XXXX Pesos ). Later in the evening while dining at a restaurant I checked my USAA application on my cell phone and saw in addition to the legitimate charge from XXXX another charge for {$140.00} from a merchant called XXXX XXXX XXXX. I have NO IDEA who XXXX XXXX XXXX is as I never contacted or dealt with any merchant other than XXXX. I immediately called USAA 's international number and reported this charge to initiate a dispute. I did NOT on that day or any day before or after deal with XXXX XXXX XXXX. I have no idea who they are or where the charge came from. I suspected at first that perhaps one of the XXXX workers at the XXXX XXXX was trying to possibly scam me since they were the only ones who had processed my credit card and BOTH charges appeared at the same time on the same day for the same type of service : A car rental. I do have the receipt from XXXX and have included a photocopy. The amount is in XXXX Pesos but a currency converter will show the US dollar amount. XXXX XXXX XXXX has NO locations in XXXX, as proven by looking at their list of locations on their website, the URL is provided here : XXXX XXXX XXXX Also, NO ONE will rent something as valuable as a car without having the renter fill out and sign multiple sheets of paperwork, therefore WHY DIDN'T USAA REQUEST SUCH DOCUMENTS FROM XXXX XXXX XXXX, the absence of which would have proven that I never dealt with them and that the charge is false?? I have proven with the XXXX receipt that I was physically in XXXX where I rented a car from XXXX and with the above link I have proven that XXXX XXXX XXXX does not even have locations in XXXX, yet they falsely charged me for a rental on the very same day I rented a car from XXXX in XXXX. Sincerely, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am unable to join or establish membership though I am qualified. Apparently in the past an account was opened in my name, and due to this they are denying me valid membership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I saw an ad on XXXX on XX/XX/2018 for 3 tickets to the XXXX XXXX vs XXXX XXXX game that evening in XXXX, Arizona. I contacted the owner through text ( screen shots attached ) at XXXX and through texting, the seller sent me a screen shot of the tickets via XXXX ( also attached ). The price of {$250.00} was agreed upon for these 3 tickets, and the seller indicated that they could only receive money via the XXXX app. I downloaded the app and proceeded to transfer {$250.00} out of my USAA checking account through their platform of the XXXX app, using the name and email address that the seller provided. XXXX XXXX with email address of XXXX. I transferred this money with the agreement that the tickets would be sent to my XXXX account and thought that since I was transferring this money from a federally insured bank, that I had fraud coverage. After transferring this money I never received the tickets and never got a response back from the seller. I filed a dispute with USAA and was later sent a letter ( attached ) that indicated they were not liable. I also contacted XXXX on XX/XX/XXXX after realizing I had been scammed and they also indicated that they could not do anything except tell me that the money had been transferred from my account to a XXXX XXXX account. I contacted USAA after finding out this bank transfer information and asked them to hold the transfer or at least contact XXXX XXXX and have them hold the money which they said they could not do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never opened this account XXXX cant contact them its ruined my score
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2018-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A