Date Received: 2018-02-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The incident occurred on XX/XX/2018. I was contacted by what was believed to be an employer, but resulted in fraudulent activity ; the bank was aware of my concerns during this interaction with the supposed employer. The bank is refusing to repair damages done to my account despite the recorded calls, text messages, emails, and documents. Before depositing a check received from this employer I verified with the bank listed on the check that the funds were available and the check was not forged, they assured me the check was real and the funds were available. I also expressed concerns with this bank about their member possibly committing fraud. I deposited this check into my bank account and called my bank to express concerns that the check may be bad despite what I was told by the employer 's bank, and waited until the check cleared to make any further transactions- in or out of the account. Before continuing the financial requests of the employer I once again called the bank to confirm the check was posted and good, and to clarify that I would not experience a negative balance due to the check ; the bank ensured the check was posted and it was safe to make transactions. I went forth with the requests of the employer under the impression from my bank that no backlash would happen. The first wire transfer was returned due to an error on my part and then proceeded to make another wire transfer that was approved. I called my bank before and after both wire transfers to ensure the check was still in the clear, the wire transfers were posted, and there were no concerns that would be detrimental to my credit or financial situation. I was once again reassured that everything was safe. Two days after the wire transfers were completed I checked my bank account only to see that my account was severely negative. Upon calling my bank to inquire about the status I was informed the check was returned despite what I was previously told. I filed a claim through my bank for fraudulent activity and contacted the employer who apologized and promised to wire the funds back into my account. The fraud department denied the claim expressing that it was not fraud due to my authorizing the activity. I received a receipt for the wire transfer from the employer and verified with his bank that it was completed, however, the wire transfer was never received and my bank account has been locked due to the negative funds. Because the amount is high, the bank has locked all of my bank cards, prevented access to the site to view statements and other products being used such as car insurance and rental/property insurance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78749
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
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: In XX/XX/2015 I received a call from XXXX XXXX. They called telling me how they could help my online business and persuaded me to buy their very expensive Marketing package taking complete advantage of me. This included Social Media Gateway Marketing leading traffic to my website, Mobile website, and Video marketing for {$7300.00} I paid them with my USAA XXXX card ending # XXXX I never received any of these services as stated in my contract or described to me when they contacted me on the phone, I have only received some basic account setup and a couple of half hour training sessions that lead nowhere and definetly not worth {$7300.00} It was very minimal stuff not even close to what they described to me when they got me to give in to their demands and pay them the outrageous amount. They deceived me and gave me their verbal promise this marketing package was needed to build a successful online business. This is unacceptable, please dont let these scam artist get away with this and help me get my money back. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80014
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: USAA has engaged in predatory and harassing behaviorism an attempt to force me to pay impossible payments, beyond my income capability. They call and harrass me four or more times a day, and will not work with my limited income - even though I have requested this since XXXX. They have changed my required payment up and added fees making it impossible to get out from under this debt despite paying {$100.00} a month from my low income. They also allowed a bogus charge against my account through a fraudulent XXXX account to pay for a boosted post on XXXX back in XXXX. A third party charged my account without my authiruzatiin, or permission. I would like damages and Attorneys fees to be paid by USAA credit card, for predatoey behavior leading me to suffer from intentional infliction of mental anguish. And possiblt adverse credit reporting. USAA has refused to work with me in resolving this issue ( letter on file ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I just recently divorced. Me and my ex husband both has credit cards with USAA. One card ( XXXX XXXX ) I'm the primary holder, the other card ( XXXX XXXX ) my ex husband as the primary holder, we both added other into the account for convenience during the marriage. I was not sure what term we added each other " joint holder '' or " authorized user ''. Now that we are divorced. We would like to get each other 's name off the cards but was told by USAA we are not allowed to do so. I requested to see any papers that shows we both signed if we were " joint holder '' or " co-signer '' as I know for both of us to be equally responsible for the cards we should at least signed something. But they couldn't provide such documents. I contacted them multiple times. I was told to get a call back never did.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98373
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: During the month of XX/XX/2018, I submitted a request for a Goodwill Adjustment to my credit file and the following response is being submitted as my request was unreasonably denied based on the circumstances surrounding my request : Made several attempts to return phone calls to the company. On each occasion received voice mail message. Left messages for a return call. Never received the same. In any event, my request was for a simple deletion of 1 late payment of 30 days. My unforeseen circumstance was presented with documents verifying the same. The death of one 's spouse is a very devastating event and this was the sole reason for the missed payment as the account is now satisfied and paid in full. Not asking for the entire record of the account be deleted, just the one 30 days late reported. This action would not be unlawful in any event. I still think the company is being unreasonable based on the circumstances surrounding my request for said Goodwill adjustment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please show proof of the correct balance on this card. I do not have a balance on this card. Please correct the balance and update all credit bureaus of this change.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2018-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called USAA and spoke with a card services expert. I have a credit card with them that started off as a promotional 0 % period and then went to regular floating interest. I have balances that are at 0 % and 12 %. The women on the phone read from a script that described their payment hierarchy, and she stated that payments are applied to the lower interest balances first and then applied to the higher interest balance. Her solution for me was to pay off the $ XXXX in 0 % balance first and then I could pay off the $ XXXX in 12 % balance. It is my understanding that this is in direct violation of the Credit Card Act of 2009. I have made several payments larger than the $ XXXX balance, and could not understand why I was still being charged interest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I XX/XX/2017 I purchased a car that I had previously leased and was offered a loan through USAA. They accepted the collateral value from the lease company of approximately 18500. I asked for both the extended warranty and GAP insurance ... USAA calls this Total Loss insurance. Now They claim that I didnt get the GAP. My car insurance is also with USAA. My car was in an accident and it was totaled. They now are offering me XXXX and I owe over 18000. They now say I dont have gap and I owe the difference. Im sure I asked for it and they can not explain the gap between their XXXX collateral value for the loan and the dramatic decrease in value as determined by their insurance company. Its been about 7 months. I applied on the phone partially and online partially for the loan. Ive asked for my loan papers and proof from them that I was asked about GAP and that I declined it. They claim there is no evidence of that available.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for USAA XXXX credit card on XX/XX/XXXX by telephone. I was responding to an email marketing/invitation from USAA for the credit card. The representative told that a further evaluation needed to done with my application and that I would have to wait a couple of days for their decision. Subsequently, USAA stated that they would need additional identification from me to establish confirmation that I was who was making the application. I emailed the requested four items of identification ( driver 's license ( front and back ), social security card, copy of my military XXXX and recent utility bill showing residency ) to USAA on XX/XX/XXXX and I received a receipt confirmation email from USAA the same day. I attempt several times to follow-up with USAA regarding the status of my application by telephone and even wrote an email to their " XXXX '' addressing the situation on XX/XX/XXXX. I got no response to the email sent. XX/XX/XXXX I received a postal letter, dated XX/XX/XXXX, from USAA stating that my application was declined because " Unable to verify applicant 's identity ''.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I purchased 4 tickets via the XXXX XXXX website from XXXX to the XXXX XXXX for our XX/XX/XXXX vacation, we flew from XXXX Oregon thru XXXX XXXX to XXXX where we arrived at XXXX instead of XXXX due to aircraft delays. We took our family and stayed at the airport since our XXXX XXXX flight was supposed to leave to the XXXX side of the XXXX XXXX at XXXX. When we tried to find XXXX XXXX much to our dismay it had gone bankrupt without telling anyone the month before and we had to purchase tickets to XXXX via XXXX XXXX for {$880.00} the last minute price. When we returned from our vacation we contacted USAA and filled a disputed claim where USAA opened a claim, usaa then withdrew the claim saying we did not want to continue it and the time had elapsed and to contact XXXX XXXX, XXXX XXXX statement to the public which we made usaa aware of says to take this up with the bank or credit card company. That email was on XX/XX/XXXX ... we are now trying yet again on XX/XX/XXXX via phone because they have locked the ability to dispute these transactions. We have provided USAA with local news in Hawaii showing that the airline had closed and there is no longer XXXX XXXX website. We did not receive services and and being penalized for the date I purchased airline tickets. Below is the new article with the statement from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes complaint is the result of an isolated error
State: OR
Zip: 97756
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A