Date Received: 2018-10-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My financial information was hacked and used to purchase an item without my consent. I immediately contacted the vendor and my financial institution notifying them of the issue and providing documentation showing my claim of fraud which USAA subsequently ignored. I did everything to notify USAA that my data was compromised and still the bank refuses to credit my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I open an account saving a checking with USSA and insurance policy auto and rental. I was given a price and provide all the document they requested. I have an honorable discharge and provided everything the military issuse to prove your status and they refused to accept my documents and closed my accounts. Two months later they made a transition on my credit card to collect a payment. I didnt give them authorization to take money since it was closed. They have failed to reimburse me for money and still have not gave cause for denying me service. In spite of them having all the documents proven I was a veteran and they still refused to accept it. I want my account reinstated and full amount refunded back to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: USAA 's fraud department denied the claim I filed after I was extorted. After their investigation, their representative agreed that I was extorted. I was unfortunately informed that extortion is not a form of fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-07
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I have been a member of USAA bank for over a decade. I have paid a {$5000.00} dollar personal loan at 16.5 % in full. I have paid a credit card at 26 % interest in full. I have tried to get insurance through usaa for nearly 4 years now and have been denied time after time. I have tried to get an auto loan for the past year with usaa and have been denied every time. I deposit checks and usaa holds half or over half of my money for a week. Leaving me only a fraction of my money to live on. USAA does not care when I call and beg for my money when they decide to hold it. They instead tell me to do a cash advance through my credit card so they can make 30 % interest on their desperate broke customers money as they hold it hostage for a week.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2018-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To whom it may concern On XX/XX/XXXX, I submitted a dispute to USAA, dispute # XXXX. I requested to have my funds recovered due to The XXXX XXXX XXXX not rendering services after receiving payment from me. There were two charges made to my USAA account to Attorney XXXX XXXX XXXX : XX/XX/XXXX for {$100.00} XX/XX/XXXX for {$100.00} USAA reversed the credit owed to my account in error. Whoever handled my case did not thoroughly investigate. I wished they would have waited for my response. Please see attached receipts paying XXXX XXXX and email sent from USAA regarding credit was to be reverse or debited from my account on XX/XX/XXXX. On XXXX, XXXX, XXXX I fired Attorney XXXX XXXX XXXX for lying, not communicating, failure to show up to court, and stealing money from clients without rendering services as requested causing more issues I later had to fix myself. There is an official court record stating I no longer want XXXX XXXX to represent me. This means he has no legal right to work for me or handle any legal matters on my behalf. See attach court document. I myself conducted my own thorough investigation and submitted documents to the State Bar of Texas. I also handled all of my legal matters that the XXXX XXXX firm did not handle or had no legal right to handle on/after date XX/XX/XXXX per court document I submitted to the judge. This also cost me additional court expenses. The State Bar of Texas found XXXX XXXX guilty. See attach letter received. Because XXXX XXXX has contacted me numerous of times demanding for more money via email. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting for a reconsideration of my dispute case. Please see attach emails received from XXXX XXXX. I am unable to open the invoice attach due to the attachment stating its not safe to open but will be happy to forward these emails upon request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A place that said they were a lender through XXXX XXXX has scammed me into thinking I was getting a loan for up to {$9000.00}. So while speaking with them on the phone the lender stated that they needed information as far as my account number and routing number, my wife was the person speaking with them and provided that information. The next step was they continued to ask for other information reguarding the bank as well.. They wanted passwords and username in order to mobile banking the money into the account. After all that, they deposited check # 1 into the account for {$2300.00} but it had PAY TO THE ORDER OF XXXX XXXX, that was also forged with a endorced signature that was not mine. I did not know anything about a fraudulent check. Check # 2 was deposited in my account for XXXX, about 3 hours later. I notified the bank and let them know about how I think its a scam. The USAA bank said it was my wife fault for being scammed, and that when my military check gets deposited every month the bank was going to take the money. The US treasury called the bank and told USAA to return my direct deposit back to treasury since the account had fraud going on, the bank did not do so.. Now I am left with nothing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: To whom it may concern, This is my fnal complaint to be filed regarding this matter, I am recording the history of this interaction as a means of protecting others from the improper actions of USAA Investment Group and USAA Insurance Administrative personnel. As detailed in the referenced comaplaints, XXXX Date submitted to CFPB : XX/XX/2018, and # XXXX, Date submitted to CFPB : XX/XX/2018, USAA Investments Servrces did not offer any form of corrective action for the mishandling of my investment account ( undue fees withheld, collection of undue backup withholding, and untimely processing of transactions ). Instead of admitting and correcting their mistakes they retaliatedby closing my account and informing me that they " would not ducuss the matter any further '' ... The account was closed before it was liquidated and to add further insult, they still could not properly perform trades and dispense the funds derived from the trades. The closed account received even more restrictions, my funds were withheld and I was charged a fee once again for their ineptness!!! It took approximately three weeks ( XX/XX/XXXX thru XX/XX/2018 ) to conduct the trade for closing of my account. I was truly amazed that only two ( 2 ) of the employees who handled ACh and Wire transfers actually knew the procedures for completeing the transaction. Thank God for XXXX and XXXX!! I am still due funds from USAA ; but, the administrative staff will not acknowledge their errors ... The internet is full of legitimate complaints from military families and consumers regarding similar activity at USAA. What can be done to coerce USAA Investment Group to be more mindful of how they interact with their customers! Afterall, without customers, can a bank survive?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I closed on this property on XX/XX/18 none of the VA standards were met and the basic standards were not met. The selling agent provided paper that was false.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I wrote a check for {$1200.00} for my XXXX rent. My landlord usually cashes all of the checks between the XXXX and XXXX of the month. On XX/XX/XXXX I had a balance of {$2800.00} which was more than enough to cover my rent. The bank 's online app showed that same available balance {$2800.00}. On XX/XX/XXXX, I logged into the account and showed a very low available balance of {$800.00}, so I contacted USAA through their chat feature. I was informed that there was a {$2000.00} hold on a deposit for my account and that I would need to move money into the account to not have a check bounce ( Which I did for an available balance of {$4300.00} ). Later on XX/XX/XXXX I went online and saw a {$29.00} return check fee. I called their customer service department and explained that I had just learned about the {$2000.00} hold being deducted from my available balance and they agreed that this seems to be a glitch in the app that the available balance did not show correctly on XX/XX/XXXX. They explained that the return check fee does not show up till the next business day after the check is returned, so I receved no notification on XX/XX/XXXX. They returned the {$29.00} fee to me. My landlord, because of the bounced check, requires me to pay a fee of {$50.00}. I explained that to USAA and they said to call back once the second check was cashed so I could request a refund for the {$50.00}. I called the bank on XX/XX/XXXX, to request the {$50.00} refund, and USAA is now telling me that they will not and there is no appeal process or anything that I can do to get what I was originally told would be no problem. I then asked who they were regulated by so I could submit a complaint and the customer service rep just told me 'the government ''. When pressed further she refused to give me any information on where to go to submit a complaint about the bank. I found this complaint form by doing my own online research.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91303
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/XXXX I submitted an application or applied for an AUTO LOAN with my favourite Insurance co. USAA.com. I am a member of USAA since XXXX. When I applied for a Auto Loan with USAA, I submitted only 1 ( one ) application for AUTO LOAN. The date is XX/XX/XXXX. The loan which was offered to me had an APR something like 8.05 % or 8.09 %. It was not affordable to me. I choose another Auto Loan for 2,4 % APR and it was already paid off. I do not recognise second hard inquiry on my credit report, by XXXX. Second hard inquiry was made on XX/XX/XXXX. I already made one hard inquiry for Auto Loan, I received an answer that I can get a loan with interest rate over 8 %. I could not accept 8 % it is just too high for me. I did not made second hard inquiry for the same auto loan. I noticed that problem already in XX/XX/XXXX. but I was So OVERWHELMED with my new car XXXX and it is a space shuttle and not a car, and so I did not have forces to fight to remove second unjust hard inquiry. I also had a major XXXX in XX/XX/XXXX in XXXX XXXX Hospital for 5 hours. I was in recovery mood when i realized that there are 2 hard inquiries instead of 1 hard inquiry for auto loan. Now, in XX/XX/XXXX, I am much stronger and I see that all these double-hard-inquiries damaging my credit report. It damages my credit score. Including for USAA Auto Insurance company. I request USAA to remove second unjust hard inquiry for auto loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A