Date Received: 2017-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have XXXX savings accounts with USAA. In XXXX and XXXX of XXXX, they debited my accounts in error. It took several phone calls & several hours on hold, but on XXXX XXXX, XXXX, a USAA rep told me that my accounts would be credited back for the unauthorized debits with effective dates retroactive to the dates the errors occurred & that the interest earned on both accounts would be corrected to reflect the correct balances for XXXX and XXXX without their errors. I was told the corrections would take 3-5 business days. Finally, the errors were reversed ... but using the date XXXX XXXX, XXXX, not the dates the errors occurred. The interest was not recalculated. I have, again, spent hours on the phone trying to get my accounts corrected to show the proper interest I was due. ( XXXX XXXX, XXXX, was my last phone call concerning this. ) My accounts have not been adjusted for the correct interest earned as of today, XXXX XXXX, XXXX. The amounts involved are minimal, but it is my money, not theirs! I wonder how may other accounts have had errors with USAA cumulatively earning many dollars in ill-gotten profits from this practice. I do not have the capability of attaching documents to this complaint.
Company Response: Company believes complaint is the result of an isolated error
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I had been harassed by USAA for 8 months. They had been telling me that I was past due of about 83 days. I had been paying the car note on the XXXX XXXX every month from XX/XX/XXXX-XX/XX/XXXX but they kept saying that I owed them more. On XX/XX/XXXX, I paid them {$440.00} for XX/XX/XXXX and XX/XX/XXXX payments. I called them back in XX/XX/XXXX to make a payment of {$220.00} and they told me that my car was up for repossession and that I owed them about {$600.00}. On XX/XX/XXXX, USAA repossessed my XXXX XXXX and then sold it at an auction about a month and a half later. Then, they are still sending me statements in the mail stating that I owe them about {$2600.00}. When I first purchased the vehicle in XX/XX/XXXX, USAA sent me a check for about {$12000.00}. Then I went to a car dealership to purchase the XXXX XXXX and the dealership gave me a bill of sale. Also, I never got any copies of the contracts from USAA when I electronically signed the documents online when they allowed me to borrow the money. My credit score was about XXXX then when they repossessed it, my credit score dropped all the way in the XXXX. I ca n't get any more credit because of them. USAA is not for us Military Veterans. They are a major rip-off. Something needs to be done about this ASAP!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I applied for the Hardship Program that USAA apparently offers, and was declined. They stated that our DTI was to high to be approved. We are currently paying {$450.00} a month with an interest rate of 10.1 % and have always remained current with our loan. We are struggling however making our minimum payments on everything and have no money at the end of the payments to buy food for our family. I assumed and the way the rest of creditors work is that a hardship is for people who are having a hard time making their payments. So would our DTI being to High indicate a hardship? Yet, the declined us to help with reducing our interest rate to lower the monthly payments they approved us for borrowing more money to add to our debt!! Makes no sense to me. Instead, we have to go through a Debt Credit Counseling Agency to get on a DMP to reduce our rate down to 3 %. Why is that USAA is willing to work with DMP plan not work directly with their customers? Terrible company and plan on never banking with them again. Very disappointed in how they treat XXXX XXXX military.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had approximately 75 ACH transactions from my employe to USAA without a single hold. I have many USAA products such as Credit Cards, Home and Auto Ins, etc. All of my bills to them are due in the second half of the month. Today, XX/XX/17, they held my ACH transaction for 7 days and will collect a late fee on every product I have even though they have my money. Seems very unfair and deceptive to charge a late fee when they have my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 613XX
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This is a follow-up to complaint XXXX. I am reasserting that I did not approve or sign any loan documentation in reference to XXXX XXXX XXXX # XXXX. I am attaching a notarized letter from the loan applicant, XXXX XXXX, stating that I did not co-sign for this loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i deposited a check I received with USAA FSB. Days later, the check was fraudulently cashed a second time, so the deposit was reversed from my account. I contacted the issuing bank, XXXXXXXX XXXX, and they requested that I contact USAA bank to initiate a fraud claim, but USAA FSB claims they have no process or interest in processing a claim, so I am left with {$420.00} fraudulently being taken from my account and USAA FSB refusing to help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I co-signed a loan with my son in XXXX. He missed two payments earlier this year, but called and resolved the issue before the end of XXXX. He called them as soon as it became an issue and was told that they would work with him. While he did resolve the issue prior to XXXX, the company reflected a delinquency for XXXX on both my and my son 's credit reports. I am currently in the process of building a home, and the delinquency dropped my credit score by more than 110 points, jeopardizing my loan with the mortgage company, and I am now in danger of losing the home that I have been building for the past six months. I am scheduled to close on my home in XXXX, and if the negative information is not removed from my credit report only ( not my son 's ), I am in danger of losing my home. The effects of this action on my credit score have been dire. I track my scores regularly, and when I checked them on XXXX XXXX and they were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX. When the mortgage company pulled my report on XXXX XXXX the scores had dropped to XXXX, XXXX, and XXXX respectively. As you can imagine, my mortgage company was concerned. This is the ONLY issue on my credit report that has caused my scores to drop, and it seems extreme. Following are some relevant facts about the loan : 1. The car being financed is XXXX car with a value of about {$5000.00} that was purchased used. 2. My son took out the loan in XXXX, XXXX and XXXX was the ONLY month when he had late payments reported. 3. He only owes {$1800.00} on the car. 4. The account is now in good standing. 5. This is the only thing keeping me from being able to close on my home. While I understand that co-signing on a loan does imply certain consequences, I feel like this particular consequence would be a bit unjust considering the circumstances. I did not act irresponsibly with this account, I did not personally miss any payments, and the account -- which I would have been responsible for paying if it had gone into default -- has been brought current. I called the bank on XXXX/XXXX/XXXX and discussed the situation with four different customer services agents and a member of the Executive Review Team, and while every one I have spoken to has sympathized with my situation, said that they have no problems with the account as of now, and agreed that the negative information was not a fair representation of my credit worthiness, they said they did not have the proper authority to remove that information from my account. I feel that someone at that organization should be able to remove this information, given the relative minor nature of the offense, the fact that I did not commit it, and the fact that the delinquency is no longer an issue. My son called the company today to try to refinance the loan in his own name and they declined to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, I initiated a refinance application via the usaa.com with USAA. I have banked with USAA for approximately 10 years. I have all my banking and car/home insurance with USAA. I wanted to refinance my existing loan with XXXX XXXX to apply for greater discounts and to consolidate my credit card debt into my mortgage for a more manageable payment. I owe approximately {$86000.00} on my home and it was appraised by the contracted USAA appraiser for {$160000.00}. I was going to refinance for {$120000.00} which is 73.8 % of the value and well within the normal range to request a refinance. After spending over an hour on the phone with the Mortgage pre-qualification, I was emailed several documents to e-sign. I signed everything and was then handed off to XXXX XXXX on XXXX XXXX, XXXX. For the following 18 days, I was repeatedly harassed with requests to provide narratives, documentation of income, and then more documentation supporting my narratives. I provided an unofficial transcript to prove my time taking classes 2 years ago, I was asked for my monthly income from 2 years ago, I was asked for a copy of a lease I had, on and on even questioning my daily commute to work, until I finally gave up and requested that the application cancelled on XXXX XXXX, XXXX. XXXX again ignored this request and assured me that the underwriters boss and his boss were now reviewing my loan application, but that they again needed additional income verification! I responded that if I had additional income that he/she would have known because I would have provided it several weeks ago at the initial request. Towards the end of the 18 days of harassing gotcha inquiries and prior to requesting the application cancelled, I had requested of XXXX XXXX to refinance through HARP and each request was ignored like I had not even mentioned. I complied with every request for 18 days, until the " underwriter '' asked again for additional income verification! The requests were so ridiculous and frustrating that I can only assume the Mortgage division uses this tactic to underhandedly discriminate against single females without a dual income. I have a good credit rating, never been late on any payments and as mentioned, have {$82000.00} of equity in my home. I 've lived in my home for 10 years. I make over $ XXXX, which is more than enough to manage a {$120000.00} mortgage. I refinanced my house through HARP to a XXXX mortgage in XXXX so I know the process to refinance is not as grueling as USAA 's mortgage division imposed. The refinance I did in XXXX was closed in a matter of weeks and NONE of my statements were scoured for dishonesty. I have all of the supporting emails for my claim of gender and income discrimination in Mortgage Lending against USAA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called USAA consumer service on XXXX XXXX XXXX to question the continued interest on a XXXX cash advance and was told nothing could be done to rectify to matter. I 'm a veteran and I feel I am being cheated and was misled in regards to the use of a USAA credit Cash advance feature. I took out XXXX as a XXXXash advance in XXXX. I was told that the repayment of the XXXX would be applied first from my monthly payment and that I would have to pay interest on the advance until it was paid off. This is acceptable, but now I 'm find out I have to pay interest on the XXXX until the total credit card balance is paid off. USAA is charging interest on the credit card balance and plus charging interest for a XXXX cash advance that has been paid in full for the life of the card. DOUBLE INTEREST! If USAA disclaimer was made clear, I would not have accepted those terms. Who would? They said that they read the terms explaining the interest on the advance continues until the Purchases on the card was paid off, I disagree, it was ( the cash advance ) until advance balance, not the full card balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A