Date Received: 2018-04-10
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: I contacted USAA five months ago regarding fraudulent activity/ identity theft on my credit report from their Organization. After submitting the claim 4 separate times ( since XX/XX/XXXX ) with backup documents including a police report they have closed each request/claim stating no fraud found. During the course of my submissions I continuously have to call back to obtain status updates - they only contact me for collections ( 2-4 times a day ). Ive been put on hold more then 10-15 minutes, transferred numerous times and been disconnected every single time Ive tried to obtain status on the claim ( 17+ times ) since XX/XX/XXXX. In XX/XX/XXXX alone Ive called and/or submitted to USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Police Reports, account breakdown and the Federal Trade Commission backup. Ive spoken to the Executive Fraud Department ( ERT ), Identity Theft Dept, Fraud Dept, Consumer Lending and the Credit Card Fraud departments. None of the information seems to be visible to other departments nor do they know how to address the fraud issues to provide specific feedback.
Company Response: Company believes complaint is the result of an isolated error
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I authorized payment of {$730.00} to pay the full amount owed on my USAA credit card on XX/XX/XXXX. The amount was paid from my XXXX XXXX checking account on XX/XX/XXXX. I chatted with a USAA representative on XX/XX/XXXX about my availabile credit. I was told that the funds were held for seven days and would not be released until the eighth day. This is giving USAA free use of my money for seven days. I think that paid amounts should be made available immediately. I am requesting that USAA change their policy about holding money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission USAA Federal Savings Bank by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of USAA Federal Savings Bank aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX without my consent. The USAA Federal Savings Bank did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted USAA Federal Savings Bank and asked them why they would place my name on a new loan without my consent or signature. The USAA Federal Savings Bank representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. USAA Federal Savings Bank stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the USAA Federal Savings Bank aloud XXXX XXXX XXXX to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified USAA Federal Savings Bank and closed out all my accounts dealing with them. For the last year, USAA Federal Savings Bank has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX that was turned in due to XXXX XXXX XXXX 's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX was wrecked. Could someone look into this and find out is this legal because I feel like I am being held hostage by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and USAA Federal Savings Bank to be liable for these loans. I do believe USAA Federal Savings Bank owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.
Company Response: Company believes the complaint is the result of a misunderstanding
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was XXXX* Credit Report ( XXXX ) XXXX CA. I called XXXX to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call XXXX. The money was clearly deducted from my account and someone has the funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48642
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: These are these are Types of fraud. Identity fraud and identity theft. Identity theft is when your personal details are stolen and identity fraud is when those details are used to commit fraud. A-Z of fraud. Online fraud. Individual fraud. Corporate fraud. Advance fee fraud. What is fraud and cyber crime?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I have been trying to get USAA to stop reporting incorrect information to my credit report for months. They are reporting four accounts they have cancelled the contract for ; {$1900.00} was cancelled on XX/XX/XXXX, {$9500.00} was cancelled on XX/XX/XXXX, {$10000.00} was cancelled on XX/XX/XXXX, and {$4400.00} was cancelled on XX/XX/XXXX. They have since reported these same four accounts as outstanding late/derogatory accounts on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to contact them and they will not access my accounts without me bringing my accounts current which is counter intuitive to the issue I am trying to resolve.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To Whom It May Concern : I spoke to a representative XX/XX/XXXX making sure what I owe to USAA credit card will be handle clearly and smoothly and I am paying in a timely manner. The evidence was recorded as well because if you call them they will mentioned " our conversation will be recorded ''. They gave me option how to pay my credit and I agree with the settlement. I authorized them to deduct my payments thru my checking acct starting with {$55.00} and the upcoming months will be {$75.00} and the last month I will pay is {$110.00}. XX/XX/XXXX I called USAA just making sure what I owe is getting lesser ; I didn't expect what the result was {$730.00} which should be {$540.00} I start paying {$55.00} the month of XX/XX/XXXX and starting XX/XX/XXXX until XX/XX/XXXX I will be paying {$75.00} and then XX/XX/XXXX will be {$110.00} and that will be my last month to pay and I am free from debt to them. I called but they were not answering. I called someone answered and if they gon na transfer me to the department of billing and collection it will ring then after voicemail. This time I should be free from debt to them but they're making a hard time for me. Miscommunication and they should fix this and they're the reason why my credit score is low and may you fix that! I was a member once I deserve to be treated well not deceiving, and you fix my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96707
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: USAA owes me {$290.00} for overpayment on my car loan. They sent a check last year without notice and it expired. For 5 weeks now, Ive called in an attempt to collect my money. For 3 weeks in a row they told me the check was sent out and it hasnt been. I need my money now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, my husband filed for a chapter XXXX bankruptcy. I was a non-filing spouse and I was not on the bankruptcy filing. On XX/XX/XXXX, my husband received a discharge from the bankruptcy court - United States Bankruptcy Court for XXXX Washington. That case was XXXX. I live in Washington State and I have been married to my husband since XX/XX/XXXX. Washington is a community property state. As such, community property rules apply in bankruptcy cases. On or about XXXX, XXXX, I applied for and was approved by USAA Bank for two credit cards with a {$2000.00} limit on each card. Even though I was the only person listed on the two credit cards, these accounts are a community debt. USAA closed those accounts on or about XX/XX/XXXX even though I was making all payments on time. Despite this, at the time of my husband 's bankruptcy filing these debts were included in the scheduled debt since these debts are part of the marital estate in a community property state. Both my husband 's attorney and the bankruptcy court verified to me that the two credit card accounts from USAA were discharged under the bankruptcy filing. On or about XX/XX/XXXX, USAA reported both credit card accounts as 90 days late on my credit report. They continue to send me statements on these credit card accounts as well. Furthermore, they are calling me in an attempt to collect the discharged debt. Despite notifying USAA that these debts were discharged under community property provisions, they continue to attempt to collect on these debts, despite their discharged status. The primary purpose of bankruptcy is giving the honest debtor or debtors a fresh start by discharging certain debts. Bankruptcy Code 524 includes community debts as obligations subject to discharge. Even though only one spouse files bankruptcy, the entire community may receive a discharge, which means that the obligation is no longer enforceable against any community property or the separate property of the filing or non-filing spouse. Section 524 grants protection to after-acquired community property so long as both spouses are innocent of any wrongdoing. In other words, if all claims are dischargeable and both spouses are eligible for a discharge, even if only one spouse files, then community creditors are barred from asserting their claims against the couples after-acquired community property. As a result, a debtor spouses discharge prevents all collection of claims against the non debtor spouses separate property, with state law determining whether the separate property of the non debtor spouse is liable for community claims. In a community property state, debts acquired during the marriage are community debts. When defining separate liability, which USAA is attempting to do as for me, the bank is incorrectly asserting that the debt for the two credit cards survived the bankruptcy filing of my husband. However, what defines a separate liability does not apply in this case. Separate liability is defined as : -debts one spouse owed before the marriage -debts acquired during the marriage in one spouse 's name and never used for the benefit of the other spouse or the marriage. This does not apply since my husband was an authorized user on my accounts. Furthermore, this debt is not a debt defined as non-dischargable under the bankruptcy code. USAA is breaking federal law by pursuing this debt. There are also damages I have incurred as a result of their negligence for which I will be taking up with an attorney. Damages I have sustained as a result of their acts include a reduction of my credit limit on multiple credit cards and the closure of one of my credit card accounts. All total, USAA 's negligence has caused me to lose over {$17000.00} in available credit because of the inaccurate reporting of this account on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: USAA has made a practice of repeatedly reordering items to charge overdraft fees on my account. On XX/XX/XXXX, I had a {$29.00} charge to a store called XXXX XXXX leaving {$40.00} in the account. A pending debit charge for {$50.00} cleared on XX/XX/XXXX. USAA admitted it was the {$50.00} debit charge that was " pending '' on the XXXX that caused the available balance to be negative XXXX dollars on the XXXX. Because they are not allowed to charge overdraft fees on debit purchases because I have opted out of overdraft protection, they stated the {$29.00} ACH made the account negative, even though it came first and there was {$40.00} left in the account after that charge. They said that since the {$29.00} charge was the only charge that actually went through that day, thats the one they needed to charge the fee on. I said if the other charge didn't " actually go through '' until the XXXX, I shouldn't be charged any fee anyway because on the XXXX there was a deposit for {$280.00}, which more than covered it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A