Date Received: 2018-08-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I recently received an automated email stating there has been a change to my available credit on my credit card. When I accessed my USAA online account, I found out my available credit had been reduced my just over 80 %. I have actively been working to improve my credit and I paid off the entirety of my balance just a few months ago. I have not missed a payment in years. I've had this card over 20 years, possibly 30 years. I've had worse credit. The only time I've had my credit reduced was when I requested to have it reduced years ago. I spoke to XXXX, a XXXX XXXX at the company and she read the scripting over and over stating that periodically USAA runs the credit of it's customers and this is their justification. During our discussion, she stated they would not increase my credit limit and I could resubmit to have it increased in XXXX months. I shared that was not acceptable. I stated this was a manipulation from USAA to continue to keep my credit artificially low. I shared with XXXX I would file this complaint to you and our state 's attorney general office. I paid off over {$14000.00} and carry a zero balance. My credit score has already dropped by over 10 points following this action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was not told about the foreclosure date nor was I informed. I called the bank and had an understanding that we will fix the unpaid balance as soon as I finalized the divorce proceedings. I am still protected under the scra ( Soldier Civil Relief Act ) but they already foreclosed my home. I have tried calling them.Theyy took my property out of the house I don't know if they put it on storage or what happened to it. I was under a judge orders restricted to enter my house and was waiting the final decision to return to my house but the bank took control and changed the locks to the lthouse the realtor in charge send some pics of the remainder of my stuff still held in the garage but I call the new realtor selling my house and was told they got rid of all my property I was not even evicted. I have the money to continue making the payments but they are not making any attempt to settle and rather foreclosed on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My backpack was stolen on XX/XX/18 which contained my laptop, my cell phone, and my wallet. Afterwards, the thieves got into my bank account and uploaded fraudulent checks under my name. This happened to two of my accounts. The first account ending in XXXX was affected on XX/XX/18 with check # XXXX in the amount of {$1200.00} and # XXXX in the amount of {$1100.00}. The account ending in XXXX was affected on XX/XX/18 with check # XXXX in the amount of {$5500.00} and on XX/XX/18 with check # XXXX in the amount of {$980.00}. This has taken both of my accounts into deep overdraft and also they are frozen at this time. At the time I had {$450.00} on hold from a money order I uploaded, which ultimately got take by whoever gained access to my account. A police report was filed and sent in. I also made a fraud claim with USAA only for them to turn around and tell me in liable for the charges. I've gotten the runaround from them for the last week or so now and I feel they will continue to blame me for these charges even though I CALLED INTO THE BANK TO REPORT THE CHARGES. They never contacted me about any of the activity on my accounts. Now I'm stranded 1000 miles from home, being a XXXX XXXX from XXXX going to school in Florida, with no bank account, no way to access my money, no way to eat, no way to pay my bills, and no support system. USAA does not care about their customers as I feel like they did not do a thorough investigation before they found ME liable for fraudulent activity on my own account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: i had a rep call me and tell me that my account was being reviewed due to me reporting an atm fraud. i explained that i have never reported any kind of atm fraud. i have my debit card and there was nothing wrong with it. i have had direct deposit for over 3 years and when i called they said it was closed. the same day that i got my direct deposit. now there telling me i have to wait 60 days before i can get my money. so i have to wait 2 months before i can see my money. they wont even let me open a new account. not like i would want to after all of this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My wife and I had a bank account with USAA Federal savings Bank starting in XX/XX/XXXX. On XX/XX/XXXX, both my wife and I could not log into our accounts. We called USAA and all they could tell us on a recorded line was that they closed the accounts. We had over {$10000.00} in the accounts combined and several fraud claims they were refusing to investigate. We have retained an attorney to file a lawsuit to recover the funds accordingly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: i received a statement by mail for {$4100.00} amount owe and on the statement there are no itemized charges at all, i have called many many times asking to give me a statement of charges and they are refusing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
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: This is in reference to Complaint Number : XXXX about USAA referred to CFPB by Federal Trade Commission. IT seems like USAA are continuing the delay tacking and is refusing to seriously investigate the fraudulent account. I just got home and was told by her that a Certain XXXX ( phone number : XXXX ) call her on her cell to tell her that an independent review decision was not in my favor and my best bet was to call him at the above phone number. For some unknown reason USAA are not taking this matter seriously, a complaint that was send to the bank just this morning has already been seriously investigated by an independent review board? USAA have been fabricated transaction in attempt to justify this fraudulent account. Including to report that I have made my last payment in XX/XX/2016. Additionally the same account is being reported twice, as a charged off account and as a " Pay as Agree '' account, max out but in good standing. This is a fraudulent account!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2018 deposit {$420.00} to my checking account, I printed the receipt with a balance of {$720.00}, next day I checked my bank application and for my surprised it showed four NSF, each one of {$29.00}. I called the bank and after almost hour on the phone the took one of the NSF charges, I called back after work and I spend two hours again on the phone, talked to a supervisor who also took two more of those NSF charges. That leave me only with one. I was asking the bank to paid the NSF charges and send a apology letter to my creditors on my behalf, but they didn't agree. I got proof of my balance before and after the deposit, also have shot screens from the bank app showing my balance. The person that I talked stated USAA is a we bank and they deposits after XXXXXXXX XXXX are posted the next day, but he couldn't told me where in my contract this was, and like I told him isn't in the ATM for the customers to know. I'm asking for the refund of the NSF charges, and the NSF charge of {$29.00} refunded to my account, and the apology letter to my creditors. I have proof all the deposit, balance, the bank app who the person that I talked told me isnt correct ( surprise ), if that hey case, why bother. I always check my transaction on the bank app. Im asking for your help to resolve this issue Thansk XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am at the end of my rope with USAA. I have a credit card with them. I have on 2 or 3 occasions utilized their balance transfer option. On XX/XX/2018, I used a check for {$15000.00}. Payments are due on the XXXX of the month -- first payment was due on XX/XX/2018. As I have with EVERY payment EVER MADE on the USAA credit card, I schedule my payment monthly to be paid on the due date. Today, XX/XX/2018, I logged into my USAA account to confirm the payment posted to my account ONLY TO FIND that USAA made THREE separate withdrawals for my credit card. One on XX/XX/2018 for {$140.00} ( the minimum payment amount and not scheduled by me ), a second on XX/XX/2018 for {$200.00} ( which I scheduled ), and a third on XX/XX/2018 ( again, which I DID NOT SCHEDULE ). I immediately called USAA. The first woman I spoke to claimed I set up automatic payments on XX/XX/2018. I dispute that -- if I ever did set up automatic payments, I immediately cancelled it. I do not make automatic payments. But even if that were true, then at least my XXXX and XXXX payments would have been automatically paid -- they weren't -- they were one-time payments just like EVERY PAYMENT I have EVER made. Second, it didn't explain why there were THREE payments -- 2 of which were " automatic '' payments. I asked to be transferred. XXXX got on the line. She made the same claim. Actually, she told me there was no evidence of three payments, despite that it was clearly on the USAA website ( and my personal bank account -- which is now overdrawn ). I again disputed that I ever authorized or set up automatic payments, inquired why there were no automatic payments in at least XXXX and XXXX if it was allegedly set up in XXXX, and demanded they refund my money which I DID NOT authorize them to take. XXXX said there was nothing else she could do for me so I asked to be transferred again. XXXX got on the phone. She again claimed the automatic payments were set up in XXXX. When I look at the " automatic payment details '' it explicitly indicates that the automatic payment effective date is " XX/XX/2018 '' -- so how can it ALSO be XX/XX/2018? When I asked XXXX why there were no automatic payments prior to this XXXX fiasco, she stated that was because if I scheduled a one-time payment for at least the minimum amount, then no automatic payment would be pulled ( thus apparently explaining the lack of automatic payments in XXXX and XXXX ). Except the payment I scheduled for XXXX was for MORE than the minimum payment. And instead of pulling the " automatic payment '' on the due date, USAA pulled it one day early -- then the next day my scheduled payment was pulled. Then 2 days later, despite more than DOUBLE the minimum amount already having been paid, USAA pulled an additional " automatic payment '' for the amount of my scheduled payment. If that doesn't clearly indicate there is a problem, I don't know what does. But XXXX claimed she couldn't see ANY of this on her screen. Asked me to upload it to her. So I did. And then she told me it will take AT LEAST 24 hours for the uploaded documents to be " scanned and available '' ( I already scanned and uploaded them so I don't know what she's talking about ). And then she told me that if it turns out my money should be refunded, I have to wait ten ( 10 ) business days before they can begin the process of processing any refund. I am in total dumbfounded shock. The first payment NEVER should have happened because even if there's a valid automatic payment authorization set up -- it clearly indicates it is to occur on the payment due date for the minimum amount only. Not the day before AND the day after for more than the minimum amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2018-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1. XXXX XXXX COMPLAINT. While banking with XXXX XXXX bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked XXXX XXXX bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into XXXX XXXX XXXX which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have XXXX XXXX bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 1. USAA COMPLAINT. While banking USAA bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed USAA customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with USAA. I waited for while for all the funds to be available and USAA customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, USAA bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. USAA bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise USAA bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A