Date Received: 2018-11-08
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is my third complaint regarding USAA. There was a balance transfer to my account that should never have happened. There were fees charged by USAA. Eventually USAA reversed the bogus balance transfer. However they made duplicate corrections and reversals for fees and interest that resulted in a balance due of {$69.00}. The account balance should be XXXX. But, because of USAA 's incompetence and posting of duplicate charges and reversals, they show a balance due. I closed my USAA account because of their incompetence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I contacted USAA to report a deposit that was put in my account on XX/XX/2018, the USAA reps were not able to identify who or where the transfer was from, they then locked my account and prohibeted me from access any of my own money. USAA then told me that it would be 2-3 business before I could have access to my account or my money. I made several phone calls to USAA and went to the XXXX XXXX and no one helped me to get access to my own money, even after I explained that I had no money and I had no other bank account. I explained that I could not wait 2-3 business days to buy gas, food and supplies. Despite the fact that this coming Monday is a holiday and will delay the broken process USAA has in place, nobody at USAA assisted me or attempted to give me access to any of my own money. Pentalyzing the victim is a crime in itself.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XXXX XXXX I entered into a payoff agreement through XXXX XXXX XXXX to pay off my debt to USAA. Part of the agreement was to change the due date to the XXXX. USAA has not done this and is charging me late fees. They are also taking the payments from XXXX and applying them to my past due amount.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Before I had my medical bills, and prior to purchasing a home, I had asked USAA to raise my credit limit above {$5000.00} ; which they declined ( This was roughly 4-5 years ago ). Now that I have had a few ER visits with very high bills over the past 4-4.5 years USAA has continually raised my credit limit, without my consent, and my debt keeps rising. In the past I have been able to mitigate what I owed on my credit card considerably with bonuses and tax returns ; however, over the last year I have been in the ER multiple times and had various car expenses and now my debt has become out of control. As of this date I currently owe {$8400.00} and have available credit of {$3400.00}, which is absurd for someone in my situation ( I am a single father who pays child support and who owns a home ). I tried to call USAA several different times and the most recent time ( XX/XX/18 ) I was bounced around from department to department whilst trying to reach a representative to work with me on lowering my interest rate and figuring out a payment plan and the ultimately reducing my credit limit and placing a cap on said credit limit so this does not happen again. After a long time on the phone with rude representatives I was told the wouldn't access my account and I would have to call back later ( I have a recording of that conversation ). I submitted a complaint to the XXXX ( # XXXX ) and I was called once by XXXX XXXX XXXX of Member Advocacy from the Office of the CEO within USAA that I missed at XXXX on XX/XX/XXXX and was promptly sent an email stating that said individual was unable to contact me at XXXX. Since that day and time I have made repeated attempts to contact XXXX and left multiple voicemails but haven't been able to speak to her or anyone else of consequence, mean while my interest on purchases keeps going beyound what I am able to pay against my credit card and my debt continues to spiral out of control.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60098
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I dont know what to do but I did some work for this guy and he paid me in check and I cashed them thinking everything was good and it wasnt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: There are several concerns regarding my USAA accounts ( Checking and Savings, Auto Loan and Credit card accounts ) CONCERNS : GENDER BIAS actions of USAA representatives and Staff Members 1. UNAUTHORIZED CLOSURE OF ACCOUNTS with penalty ONLY directed towards XXXX XXXX for Tradeline activities. XXXX XXXX engaged in Tradeline activities and his signed XXXX with other signed blank forms to add authorized user for another creditor sent to XXXX XXXX on XX/XX/2018. Mr. XXXX has not responded to email communication regarding this matter. The inference from USAA representatives was that all accounts were closed. 2. DENIED ACCESS to all my ACCOUNT DETAILS and on XX/XX/2018 I did request printed account details since inceptions but my email request to Mr. XXXX remain unanswered. Additionally, I requested address/contact address for subpoena since XX/XX/XXXX. However, since these are my accounts, NO SUBPEONA is required. I should not have to incur legal cost to get what I rightfully can have. I believe the denial of access was only done to affect my ability to obtain account information that would help in divorce court proceedings. I need all my accounts information printed and sent to me immediately. My husband did the same account closure of another joint account and that bank had no issues provided my information to me. 3. UNAUTHORIZED DISCLOSURE of my changed physical address despite requests to NOT do so. ( Violates NO CONTACT ORDER per SOUTH CAROLINA FAMILY COURT entered on XX/XX/2018 and this court order sent to Mr. XXXX via email on XX/XX/2018 ). Mr. XXXX refused to enter any address information into the system for safety reason when I spoke to him on or about XX/XX/2018. On XX/XX/2018 I called USAA due to receiving more letters directly to my new address ( although I never authorize this ) and learned that the address is changed in USAAs system and could not be altered by the representative who attempted to change the data back to my old address. My mail is forwarded to my new address and I always received on line statements. USAA also sent mail to me XX/XX/2018 indicating that the United States Postal Service provided them my new address. For safety reasons the USPS does not provide forwarded information and I discussed this fact with representatives. They lied and I did file a complaint with the Postal Inspector. 4. FAILURE to INFORM me on how/when Id receive AUTO LOAN and CREDIT CARD Payments after USAA account closures. I had to call USAA ( multiple timesXX/XX/XXXX-XX/XX/XXXX ) regarding this and still could not get information on how to make payments. Due to account access denial there is no ability to view details despite multiple placed call from XX/XX/XXXX-XX/XX/XXXX. One representative attempted to reset password but due to higher level decisions, this did not work. I received the first credit card payment to my mail box since viewing the information last XX/XX/2018 on XX/XX/2018.
Company Response: Company believes complaint is the result of an isolated error
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. I have contacted and informed both the company that is supplying this erroneous, damaging information ( USAA ) and the credit reporting agencies XXXX and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Company Response: Company believes complaint is the result of an isolated error
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had sent a money order to USAA Bank to deposit into my checking account. I had sent this money order express mail on XX/XX/2018 and the express envelope got to the bank XX/XX/2018. I had tracking on the express envelope. I called the bank the next day XX/XX/XXXX to make sure the envelope got there and that the monies were deposited to my account. The representative that I talked to said that there was no envelope and that it would take 24 hours to the next business day to process the money order. I called a couple of day later and the representative said that there still no sight of the envelope and it would take 48 hours to process. I call again a couple days later ( XX/XX/XXXX ) and the representative said that was no envelope and that an investigation would be warranted. I get a call from the USAA bank investigator and she said they found the envelope, but the money was not in envelope. Either it was misplaced or taken out for unknown reasons. This bank took two weeks to find an Express envelope I sent to them two weeks ago and then when they do find it, the money is gone. Tracking for money order - XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 623XX
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
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 am having a problem with charges for goods and services that weren't delivered as agreed.On XX/XX/XXXX I ordered Qty 5 XXXX XXXX XXXX network dome cameras from XXXX using my USAA credit card. Item showed shipped with USPS tracking numbers with an expected delivery date of XX/XX/XXXX. I never received my order and upon checking the tracking numbers online I showed delivered XX/XX/XXXX at XXXX Delivered, Front Door/Porch. I did not received my order and contacted XXXX on XXXX XXXX and they stated they would look into it. After a few days I contacted XXXX again and they stated that it showed delivered and that there was nothing else they would do. I contacted my credit card issuer USAA and opened a dispute for services not delivered. On XXXX XXXX Usaa credited my account {$590.00} while they investigated the dispute. On XX/XX/XXXX Usaa charged back the {$590.00} with a letter from XXXX stating that the order was delivered. I called USAA back to inform them that I still had not received my order, that I never signed for anything and my order was not on my door step as stated. Usaa advised me to contact the post office and there was nothing further they could help me with and would not remove the charges on XX/XX/XXXX. I contacted the postal inspector and they stated I would have to open a claim with the merchant and or credit card company which I had already done. I still have not been refunded for the merchandise I ordered and did not receive.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX {$100.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$400.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$500.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX & XXXX. '' On XX/XX/XXXX {$250.00} was sent XXXX for " late fee/registration fee. '' On XX/XX/XXXX {$300.00} was sent XXXX. All the transaction 's happened through my USAA account through XXXX the app that has a partnership with USAA happened, to move into a room in XXXX XXXX apartments in XXXX, California to move into a apartment with a XXXX XXXX and when i sent that last transaction on XX/XX/XXXX i was supposed to move into the address XXXX XXXX XXXX, XXXX, California XXXX and he stopped responding and disappeared and that's when i realized that i got scammed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94609
Submitted Via: Web
Date Sent: 2018-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A