Date Received: 2018-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I ordered a knife from XXXX XXXX XXXX, XXXX XXXX WI and used my XXXX XXXX CREDIT CARD to pay the {$13.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX, keeps billing me for {$13.00} each and every month. I have called XXXX XXXX at XXXX and voiced my concern and they said they would take care of the matter. Now I received a letter demanding {$26.00} that I do not owe. XXXX XXXX is threatening to diminish my almost perfect credit record. I have never missed a payment with XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2018-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my XXXX yo son made a purchase at the local grocery store and withdrew money from the self serve check out. He missed place his card in between the store and home, only to discover that on Monday XX/XX/XXXX that a check for {$8700.00} was deposited by ATM with XXXX XXXX into his checking account and several withdrawals of his own personal money from a second checking account was transferred in the initial checking account where the bogus check was deposited. We live in the state of GA and there's NOT a USAA branch in our state to make check deposits except by mobile banking. Because my son account in the past was a joint account underneath mine, he is now XXXX but his account as well as both my checking and saving account has been frozen. I have filed a police report with the local authorities and is waiting for the police report. But I have uploaded a copy of my case number from the police to my USAA profile. I have reached out to USAA on several attempts to get updates in the investigation only to be told that IF I pay the outstanding fee of {$260.00} for the overdraft on my son 's account of the return check ( bonus check ) that was deposited AND the charges from the transactions that my son made prior to the check being deposited, would then OUR accounts be accessible. Now, prior to the check being deposited into my son 's account, my son had funds well over {$800.00} in his accounts MONTHS ago, as well the recent deposit of his payroll check of {$230.00}. So had that bogus check NEVER been deposited into his account, ALL of his transactions would have been cleared. So I refuse THEN as I do NOW, to be STRONG ARMED into paying for a debt that HE/I owe to release our funds. WHEN DID WE BECAME A THIRD WORLD COUNTRY TO START USING THESE PRACTICES???? WE BOTH have financial obligations that requires the use of OUR FUNDS NOW!!!! So please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2018-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: In XX/XX/XXXX, I took out a line of equity based on the value of my home in the amount of {$120000.00}. At the time I was employed and in good health and the underwriting was commensurate with me getting the loan. This was a 15 year loan that had a maturity date ofXX/XX/XXXX. My income began to curtail in XX/XX/XXXX with complications with my XXXX. I am a Veteran, but these injuries were not service related. So I incurred significant medical costs. However, I maintained my loan. My health worsened, with XXXX issues that lead to me having a XXXX XXXX, then later, I was diagnosed with XXXX and went through XXXX XXXX for XXXX. None of these conditions could be treated by the Veterans Administration Hospital, and I had to incur the expense, and I had no support system at the time, so I also curtailed my hours at work significantly to recover. My last payment accepted by the servicer was about XX/XX/XXXX. I did not file bankruptcy, or do anything else to accelerate the lien, and I maintained communication with the servicer. I was never offered any loss mitigation options such as a modification of the loan or forbearance plan, and they were fully aware of my condition. InXX/XX/XXXX, the servicer USAA sent a XXXX to the IRS and myself for {$97000.00}. This inherently generated taxable income for me. They did not show any attempt to try to recover money or act on the lien and seize my property through foreclosure. However, communication stopped, and I had no idea that they were still retaining the lien on my property with the intent to seize it years later. Now, after my property has appreciated significantly, they have decided to foreclose on the lien which will net them nearly twice what I owe them, and it will give me no opportunity to satisfy the debt or save my home. I am currently doing part time work as a XXXX XXXX and receiving an annuity. My credit score exceeds 620, and I am eligible for a VA Home Loan Guarantee that would allow me to repurchase the loan with no money down, and make USAA the primary lien holder and not a Substitute Trustee trying to seize my property illegally. If their intent was to satisfy the debt, I had and still have that ability for the amount that I owe. But their act in bad faith, was to acquire the property after generating over {$80000.00} in revenue from payments, and still get a property likely worth than more than twice the value of the loan itself based on its location and market conditions. The lien is nearly at term and older than 12 years, and should have been extinguished when they decided to cancel the debt, and not work out loss mitigation with me. This is no longer a demand for payment, as they cancelled the debt inXX/XX/XXXX reported it as cancelled revenue to the IRS, and waived rights to collect it therefore making it taxable income to me. Therefore, their demand for payment in the North Carolina Foreclosure procedure was done in bad faith, and therefore, this lien should be removed as punishment giving them no right to foreclose. This foreclosure filing is a direct threat, and the casualty will be me losing equity in my home and becoming homeless. USAA should not be allowed to retain this lien and be allowed the profitable revenue that will be associated when they either sale or acquire my property. The fear of losing my home has triggered incredibly serious medical issues that I have already, and it is causing me even more suffering. Even the attorneys in this case, had filed a motion to withdraw as counsel, because they see the inconsistencies, possible fraud, and bad ethical practices used by USAA in this matter. The servicer knows how much they are owed, knows how much they waived, and knows how much they stand to gain from the property seizure. Please do not allow me to go unprotected and abused by this company for monetary gain for an entity that is already striving. It will normalize a culture of this practice and harm many people in its wake.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27712
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a {$20000.00} credit limit with USAA for 11 years. All of the sudden they cut it to {$500.00}. Explanation, I didn't use it. I tried explaining that we had a family illness and were caught up managing health. Also, explained that I managed credit wisely never late and instead of wasting money and then filing for bankruptcy, I prudently utilized the available credit limit not to put their company 's money at risk of not paying back. Was tald I can apply for another card, I did and immediately got rejected, XX/XX/18, reason : '' Our decision to decline your request was based on the following reasons : Maximum Credit Limit Reached. '' But just yesterday, applied at XXXX for their XXXX and got instantly approved for a higher amount. How unethical for USAA to do a hard pull, when they in-house already pre-decided who gets what, just because. I view this as a discriminatory action. I have {$30000.00} XXXX XXXX and XXXX no problems. After USAA rejected me today, I closed *their* credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97301
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2018 Usaa federal bank accessed one of my checking accounts and withdrew {$460.00} to pay for a loan in which they did not have authorization to access the account nor for that amount. I literally just got paid that day and they took it upon themselves to deduct these funds to " off set '' a delinquent loan. The loan is only in my spouses name and they have access to one of my checking accounts but the account they withdrew from they were not authorized to access nor are the funds in the account associated with the borrower. When I contacted the bank about the charge they refused to dispute the transaction or acknowledge my regulation E complaint and said it was just bank policy and they had the right to do it. Personally I find it unfathomable that a service provider believe they are entitled to arbitrarily access a consumers account just because they are a lender and depository institution should not empower them to impact me financially especially when a credit product is involved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78210
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. XXXX XXXX XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. USAA SAVINGS BANK Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: USAA FEDERAL SAVINGS BANK reporting credit inquiry never applied for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-12
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been a member of USAA for 18 years. I received a letter today dated XX/XX/XXXX that my credit has been lowered to {$7100.00} on XX/XX/XXXX. The decrease is based on my credit score which they stated is XXXX. I make over $ XXXX a year and have other credit cards with balance and make monthly payments and have a great payment history but what USAA is doing is harming my credit abilities and damaging my credit since by lowering my credit limit from {$12000.00} to XXXX with a credit balance of {$6600.00}, my account now show I have a high balance which will now impact my credit score even more. I have been in the process of paying off this card for several months and not using it. I believe because I have only been paying the credit and not using the card this is why my credit has been lowered. Also, if I was such a bad customer then why every time I receive my statement it show that I do not need to make a payment. Well it is because USAA wants me to continue to drive up my balance and for them to make money off the interest. This company is breaching my fair credit abilities along with damaging my financial abilities and potential further job opportunities as a result of them lowering my available credit and hindering my credit score. This practice must be stopped and I feel they are breaking fair credit laws as well as fair lending. When I spoke to a representative on XX/XX/XXXX, she was unable to even tell me what my previous credit limit was and was extremely unhelpful. She couldn't even help me find my statement on the website.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2018-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I did my income tax return for XX/XX/XXXX, in XX/XX/XXXX this year. The IRS sent me a check for {$6000.00}. I deposited the check via electronically with my bank ( USAA ) at the beginning of XX/XX/XXXX. The check cleared and the funds were added to my account. After confirming that the funds were secure by checking my account, I wrote " void '' and the conformation number across the check. On XX/XX/XXXX, my wife alerted me about money missing from our account. I panicked and called my bank ( USAA ) to investigate. The first customer service rep that I talked with told me that the money was pulled from my account because some of the numbers on the check was blurry. She stated that I could try to rescan the check. I told her that I have voided the check once the funds were in my account. She suggested that I mail in the check with a letter stating why it has been voided, or I should contact the IRS and ask for assistance. I contacted the IRS, who advised me to handle the situation with my bank ( USAA ) because if they start their process it would take at least three weeks to resolve the problem. I contacted my bank again. The second rep claimed that they could not do anything because the check was voided. I explained to her, that the funds were in my account for over a month, and they know why the check was voided. Her attitude was already nasty, as I explained her answer was different from the other rep that I talked to. I asked to speak with a supervisor. I was put on hold until a supervisor was contacted. The supervisor talked with more clarity. She explained the situation and said that the only way to resolve the issue was through the IRS. I explained that I felt very disappointed about the situation and the treatment that I was given. I also explained that I am a XXXX United States soldier who was depending on the funds to help me XXXX from the military. I also explained that I do not think it was fair that no one had contacted me before taking funds out of my account that had been there for over a month. Instead of an apology, she tried to shift the conversation to try to sell me some assistance transitioning program advertisement. I politely declined, then contacted the IRS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98503
Submitted Via: Web
Date Sent: 2018-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I recently contacted my VA representative about my current situation ( unemployment ) and he suggested that I submit an application to USAA/XXXX to get a forebearance that will allow me to get 12 months of forbearance to allow me time to find a job. I submitted the allocation for a loan modification based on the fact that I was unemployed. After months of them losing my paperwork and finally getting a package to submit to the department for approval of my modification, I was told that my application was denied because of lack of income. This is ridiculous because I informed the mortgage company that the reason I was applying for a forebearance was due to my unemployment. Harley was the individual that I was working with. I informed her that I had signed into my account and the amount that is shown is significantly less than the amount that she was quoting. She kept telling me the amount was the same and I should look farther down the site and there was nothing noted that the amount should be different. In fact the amount was {$1800.00} different from what she was quoting. I asked if I could make the $ XXXX plus and she indicated that I couldnt do so. I said I found pay all of the back payments that I owe but I wanted them to wave the fee and they refused. I asked them to wave the {$790.00} late fees and they refused. The late fees are excessive and i dont believe my original loan allowed for the excessive late fees. I owed more in the year they had my loan than in the 5 years of my previous mortgage holder. I also asked for the documents that alowedngor the excessive fees. I asked her to give me an itemized statement of what the corporate advance were and they sent out a form that didnt itemize the corporates advacnex. She said they were also charging me an additional {$14.00} a week to have someone go to the house to make sure it was still occupied. I asked her why was that necessary and if it was necessary then why would they charger that fee to the consumer who is already having difficulty paying their mortgage payment. They also charge {$860.00} in late fees that Included late charges when the account was in foreclosure and also in loss mitigation. This shouldnt have been charged. It is my opinion that this company does nothing to assist the consumer. I believe they are in the business of trying to foreclose on home with a lot of equity in the home. When I asked for assistance XXXX pretended to want to help me stay in my home. I waited a week or so to see what she would do and called her back and she had done absolutely nothing and I asked what she had done and she said that she was going to wait so she could give me my options of short sale or deed In lieu ... so how is that helping me to stay in my home. I am a XXXX veteran and single parent and I had no assistance from either the VA or USAA. I want to ask to have my money for the late fees returned and the {$1800.00} that the mortgage tacked on to my payments and and clear and concise explanation of any oleander all fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A