Date Received: 2018-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: USAA has raised my fix VA loan payment approx $ 176 monthly in retaliation for exposing their taking of a double hazard payment from my escrow account. USAA refused to return the mandatory over payments they charged me to makeup the shortage caused by the double hazard payment of approx {$250.00} and then charged me an additional approx {$150.00}. in fees. The increase in the monthly payment corresponds with the amount referenced above originally misappropriated to cover the escrow shortage created by their taking a double hazard payment and additional fees. USAA then continually changes the point of contact requiring that the new POC have a " few days '' to review the matter. This wastes time, causes significant delays and unearned fees to be collected even when USAA knows the fees are not valid. I have been unsuccessful in getting the assigned rep to return calls and the servicing company XXXX to answer or return calls. Both companies avoid the matter and if they call provide half answers or no answers at all again requiring a " few days '' to " research '' the matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: I am paying more on my credit card account than what is required. But extra payments is n't going to lower my cash advance which I had not used in 2-3 years.The cash advance is still the same after all these years and should have been gone by now.The Credit Card Accountability, Responsibility and Disclosure Act of 2009
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX/XXXX/XXXX {$4900.00} was removed from my USAA checking account without authorization. Someone called USAA on the phone & convinced them to send a cashier check to a person & place that I have never heard of. I have all of the specific info regarding who the check was made out to & the address the check was sent to. I & the others on this account spent much of XXXX/XXXX/XXXX on the phone with the bank that sent the check. They said they would try to get the money back but it is probably gone. There were also a couple other fees charged to us at the same time, for the unstoppable check & expedited mailing. I filed a police report. The money is still gone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied at XXXX XXXX XXXX XXXX and was denied opening an account. I was not given a reason instead I was sent a letter from XXXX XXXX XXXX in regard to account that I had with USAA which was closed by USAA without notice to me. The account status according to early warning is closed and no balances are or were owed upon the closing to the account. Since then my name and social have been submitted and I am unable to open a new account with XXXX XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28504
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: multiple issues- cant close, company forced close w XXXX funds coming in, refuses to purge system, refused to update drivers licences correctly, refused me a credit line, etc. This compnay is nothing but a con artist and I dont want thier business. I ve told them 4x now to stop sending me XXXX. They dont care. I have asked for policy termination. Didnt happen. I asked for over 1200 be sent to me repeatedly via wire. Didnt happen. I am not and nevermore will be a customer. I reccommend no veteran do business with them. choose XXXX XXXX or XXXX XXXX etc. I was just sent an atm card. AS IF.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: on XX/17 I transferred {$7000.00} to my usaa card under a promtional 0 % APR good through XXXX XXXX XXXX. I made cash advances after that and then paid the amount or more of those cash advances XXXX weeks after they were taken. Those payments should have went towards the cash advances per the credit card act over my minimum payments since they are 14 % apr vs the 0 % apr on the other balance. Usaa is saying that because they have written in their credit card agreement that promotional rates are payed off before all other charges that they can ignore the credit card act. breaking federal law and are still charging me interest on my cash advances while my payments have been going to the original XXXX interest free amount instead of the cash advances.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 81301
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened my first credit card to establish a relationship with USAA in XX/XX/XXXX. When I received my credit card it had an inaccurate name on it ( Last name started with XXXX instead of XXXX ). I chose not to activate this card with inaccurate information. Unknown to me, there was a {$14.00} shipping charge when I opened the account, which I never received a bill for ; neither in my mailbox nor an email informing me my bill was ready ( which was the case when I had an activated credit card with USAA ). Because my information was inaccurate and this account was never activated, I never assumed an issue when I never received a bill for this account. I checked my credit report in XX/XX/XXXX, and to my surprise found XX/XX/XXXX- XX/XX/XXXX late payment status for {$17.00} on this account. I immediately called customer service and paid the overdue {$17.00}. If I had any knowledge of the {$17.00} (! ), I would have paid it immediately. I have never missed a payment and I most definitely would never ruin my credit over {$17.00}. I have asked for credit reporting to be corrected for my account that portrayed inaccurate information on my card, that was inaccurately charged to an account that I never activated, and of which I was never accurately notified of my {$17.00} debt. Additionally, I immediately paid this {$17.00} debt when I, through other means than USAA, discovered this {$17.00} debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
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 was made aware that there was an XXXX XXXX XXXX placed by USAA. I started the process on XXXX XXXX by contacting them to begin disputing this alert and the reason for it 's existence. I finally spoke to a supervisor XXXX XXXX XXXX on XXXX XXXX XXXX explained the problem and requested my need for help and the information to resolve this matter. On XXXX XXXX XXXX, I received a call from a young man named XXXX. He explained that there were accounts opened and fraud was perpetuated with a checking and saving opened with my identity. The amount was approximately {$5100.00}. We had a very in depth conversation regarding the matter. I told him it was not me. They may have felt by their guidelines that secure procedures were followed. I told him that true due diligence on their half to protect their interests and mine were not sufficiently followed. This requiring a direct phone of verification that I was the actual applicant involving these high risk amounts for an online process. He agreed with my adamant position on the matter and went so far as to admit that I was not the perpetrator of the fraud. He repeatedly apologized and offered no final resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: USAA - Master Card, several years ago CHANGED from a XXXX to a MASTERCARD. I never used it ( MASTERCARD ) and never wanted it. NOW, years later, their collections department is trying to collect a membership fee of {$45.00} by calling me once a day. I have explained this to many of the folks that call. BUT they keep calling.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX and USAA have continually raised my escrow payment to compensate for their misdeeds. In approximately one year of having this VA loan there have been three escrow analysis and two payment increases. This is highly unusual and unheard of. The first increase, which has already been reported to CFBP, was due to USAA and XXXX targeting and discriminating against this Veteran. They willfully misappropriated my escrow account funds, charged me twice for a hazard payment depleting my escrow account and refused to refund the money they forced me to pay in unsupported fees and escrow " shortages ''. I went to pay my mortgage in XX/XX/XXXX only to find XXXX again raised my mortgage payment after performing a third escrow analysis or the second in less than a month. Both USAA and XXXX have refused to provide a single point of contact within their company to address this matter and insist that I make numerous calls to talk to XXXX and then USAA even though XXXX is the servicer for USAA. I am continually pushed to various agents within XXXX, left messages with no contact names or numbers, calls never returned, charged unsupported fees and forced to spend months pushing them to address these matters. All the while XXXX collects " shortages and unsupported fees '' they refuse to return.This is targeted harassment and discrimination. XXXX has refuse to fix their own system and have cause significant amount of distress and suffering. XXXX points to USAA and USAA points to XXXX to fix the fraudulent increases while neither do a thing and charge $ XXXX in unsupported fees and $ XXXX in escrow " shortages '' that both USAA and XXXX admit they created through deceptive acts of double charging and using escrow money for purposes not contractually intended while pocketing the unused portions. Simply put USAA and XXXX have continually used misused escrow funds at the expense and peril of the owner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A