Date Received: 2018-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their " USAA '' anything and thats why they can't validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90221
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Today on XX/XX/XXXX I called USAA ( United Services Automobile Association ) XXXX from my cellular phone XXXX XXXX, with the intentions of opening a new checking account. I was briefly transferred at the 1st call to another department. The 2nd call updated general contact info ; address, email, telephone number. After updating info and the 2nd agent then informed me I was incorrectly transferred and she would then need to transfer me again to correct department. The 3rd call was my final conversation with a customer service agent of XXXX. The agent informed me before I can open a new checking account. I would be required to pay old credit card balances from XXXX & XXXX, which to my surprise are not only well past the stature of limitations but have been cleared via guarantor insurance. The agent did not verbally recite a Mini-Miranda ( or when I was transferred to the 3rd rep no recording advised of a Mini-Miranda ) that both accounts had to be paid in full since it was a collectable debt. I advised that would be illegal to as it would be double dipping when I stated that XXXX has already been paid via insurance guarantor this seem to make the agent ballistic. She began overtaking and yelling to the point I had to be firm and take control of call. I then advise to transfer me to a banker the agent refused, she was aggressive and combative to she volunteered her supervisor ( which I didnt ask for ) I then said Our conversation is over Please connect me to a banker for assistance, she then placed me on hold then I go the voicemail of a XXXX who on her voicemail greeting title was Sr. Rep or a Team Lead. So in fact I was not even transferred to the person the agent demanded I be connect with or the correct transfer that I requested to a banker
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want to provide USAA with additional prove that I was a victim of fraud back in XX/XX/2014. Again the case was tried in the court of Law by the State Attorney Generals office if Delaware Case Number # XXXX. In this compliant I want to provide USSA a copy of the Bank Wire from my personal bank account where I paid for the car with my personal funds. In addition to the documentation I am enclosing an email correspondence, in which XXXX XXXX XXXX acknowledged to have received a direct wire from me to purchase the XXXX XXXX XXXX XXXX, which provides verification of fraud.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: About 3 week ago I applied for a loan for a used car ( {$25000.00} ) with USAA. I paid ( {$2500.00} as a down payment for this car ). When speaking with the loan agent before I had taken the loan I inquired ( twice ) if I would be able to pay off this loan by using my Credit Card. Twice the USAA agent assured me that I would absolutely able to pay off my USAA loan by using my credit card. So with that information I proceeded to get the loan. Today, XX/XX/2018 I called USAA to pay on my used car loan by using my credit card. The USAA agent said that I was unable to use my credit card to pay from my loan! So I asked to speak with the manager, which I did. The manger again stated I was unable to use my credit card and that the loan agent would be trained on policy of payments. I stated to the USAA manger that I was sold a fraudulent with bait and switch information to get me to sign off on the loan. Today I posted on USAA 's XXXX page about my experience as I am looking for USAA to follow through on their promise so that I may proceed on making loan payments ASAP
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified XXXX multiple times but they won't remove it off my credit report. USAA also has a missed payment on my XXXX credit report that needs to be removed, I was never late on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid a charge off I had with USAA on my credit report through their third party collection agency XXXX. The payment was made in XX/XX/2018. I was told that the information would be updated to USAA within 10 days after I paid. Also, I was told that I would have to contact USAA for any future information on the status of the charge off. When I called USAA for a status update, I was told that no one is allowed to speak with their credit reporting department. The representative told me the only action I could take was to fill out their consumer report dispute form. After filling out the form and mailing it to USAA, the next month I called back to get an update on the dispute form. I was then told again by another representative that they could not give me any information, and to again fill out the consumer report dispute form. I still have yet to hear from USAA on the status of the dispute form I sent to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am on an XXXX Account as primary user with my spouse. I no longer am together with her and want my name removed from the account. She wants to keep the account for herself. USAA is telling me that we have to close the account and she needs to open a new one. She has several bills debit from the account and a direct deposit paycheck that goes to account also.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The companys response addressed all of my issues No ADDITIONAL COMMENTS The response in question explains their position from its viewpoint. Which is a moot point of view? My request was a GOODWILL adjustment. That said, on information and belief GOODWILL is defined as : a kindly feeling of approval and support : benevolent interest or concern. As stated ; I Did speak with a XXXX XXXX XXXX on XX/XX/2018. During our conversation he was very combative as if my request did not concern him in any way. I do understand as he is not in my position. Sure USAA rendered their XXXXondolences for the loss of my Wife which would be very devastating to anyone with any GOODWILL within their spirit. As stated in my initial complaint ; 1 payment was missed. Account was immediately placed back on point as reflected in their report to each credit bureau ( 30 days ) minimum. Account was paid in full promptly. On information and belief, Fairness is defined as ; marked by impartiality and honesty : free from self-interest, prejudice, or favoritism a very fair person to do business with, That was not the case reflected during my conversation with XXXX XXXX. In closing, I would like to reiterate on the fact of the aforementioned company has/is acting in an UNREASONABLE manner in this instance as their/his actions are beyond the limits of acceptability or fairness. Thank you in advance for your prompt and professional handling of this matter. Respectfully,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband and I signed up to be mystery shoppers. We deposited two separate checks in the amounr of $XXXX each. The bank released the checks and funds. This was however a scam and gift cards were purchased and redeemed by the scammer. We are asking that USAA our bank for over 20 years to be held accountable for releasing these funds from XXXX XXXX in the form of a cashiers check. They are not protecting us, the consumer. The scam has been reported to local authorities and the FTC so they are managing the scam.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92009
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A