Date Received: 2017-09-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I currently bank with USAA and have a credit card with them. Without notification or request for authorization, in the min amount due section of the website, stopped letting me know what my min amount is due to avoid interest charges. I usually make extra payments anyway but stopped once I saw {$0.00} in the min amount due, gave me the impression to only make regular payments. I started seeing interest charges of $ 40-60 even though my balance was XXXX. I brought it up to the company XX/XX/XXXX of 2017 and was told my account will be fixed. Today I see interest charges again of {$48.00}, after addressing it with the rep, was told that the feature ca n't be removed and that I could find the min amount due in my statement that 's mailed each month. So basically the min amount due is n't listed in the min amount due section of my account, this is a trick to get users thinking they do n't have a min amount due so they can charge them interest. I have documentation of today 's discussion with the rep if needed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: my credit score was on the brink of recovery in fact, my XXXX as per ussa credit report, and score was a XXXX, yet they declined me for a traditional credit card, and suggested I apply for a guaranteed credit card, that was insured with a 24 month cd, so I proceeded to apply for both a XXXX, and a XXXX XXXX card on the 24 month cd program with the maturation date 24 proceeding the dates of the applications which was back in XXXX, I was approved pending the fuding of the cds, next thing I know about 3 weeks late irecive notification of the cd with the amounts of XXXX dollars on myXX/XX/XXXX and the additional XXXX dollars on the XXXX, alsog with the cd account number and the maturation dates of 24 months, however my funds where never actually revivreved by ussa, nor did I ever once claim that they had been received, regardless the were and to this day are in place, and the credit cards with the amounts mathching above referred cd, revived in the mail, with institutions to activate the cards medially so I did s they asked, since then I have paid several thousands of dollars, and been charge over 700 in each fees, as well they canceled the card back n XXXX, my credit score even thought I have never one had a late payment went for the XXXX, down to low XXXX, comments of usaa, and there negligence to collect the funds contrartrt to my parewrodk showing the acccout numbers for the cds along with the maternity dates, then they proceed to just hammer down my credit score making impossible to do a XXXX thing, toehr than watch my palaces climb as I pay and pay, to top this nightmare of a situation of, my parent now meanderers of ussaa of 53 years, have just reacieved notice the there son me, XXXX XXXX must be moved out of three home, after I have finally after since 2008 place my career on hold for personal reason, now only into my career about 4 months, and finally getting out of the welfare system, decide to drop my parents as there client unless I am moved out of there home, my home now for the past 8 years, also with my kids, for what reason other than there foul up with these credit cards, and anger for there own mistakes, I have n't a cluee, my credit has been compromised time and time again, by XXXX which ironically is the buarei that usaa reports to, also with injuries exedeeing over 37, with only 3 to my approval and knowledge with my credit no a freeze and lock, and now my score is around a XXXX, it makes me sick, so sick to think that such an outstaying company would do this to my family, after 53 years, an my career, and success finally coming around to give uas the ultimate ofXX/XX/XXXX or its over for us all, not to mentions there error on the cds, they need to take accountability, and shut this ultimate down, as well, apologize and furthermore I believe they need to clear my cdrrdit score back owerhe they were prior to the clobbering me for closing my account with out my consent on these 2 secured mistakenly whiteout collectiong the funds back in XX/XX/XXXX please adviese time is of the escccense, we have only till the XX/XX/XXXXto be on the streets and to think I am finallyafter 7 years coming out of the welfare system, its disgusting and they sould pay of rthe wrongful ill will, bad faith denial of my family benefits and insurance etc, thaks for you time intros matter XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX cell XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84121
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I recently received a notice that my mortgage payment would be increasing monthly by approximately {$300.00} due to an increase in county taxes. I called USAA for clarification on the significant increase in escrow, and was informed that it was due to the county taxes increasing. She believed the seller may have received tax credits that I 'm not eligible to receive, thus accounting for the difference. However, I called USAA again and spoke with another representative who confirmed that the taxes calculated at closing only included the semi annual amount, and that amount should have been included twice since XXXX XXXX taxes are semi-annual. She also confirmed that this calculation was a significant error and thus my closing disclosure was not correct. I asked if USAA 's loan processor, underwriter, or anyone involved with the bank should have checked these figures prior to closing, or soon thereafter, since ultimately USAA is the loan originator and servicer, and she informed me that it 's a title company issue. Due to the drastic increase in the monthly amount that I 'm now responsible for, I 'm filing a complaint as I believe this is a violation of Regulation X and TRID. Given the impact this will have on my monthly payments, this appears to be an egregious violation of Regulation X and TRID due to an incorrect escrow calculation, incorrect closing disclosures, and an extended amount of time that has elapsed since the error was made, etc.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I went to an ATM at a XXXX store and made a withdrawal of {$200.00} from my checking account. However, the machine ran out of money and only disbursed {$20.00}. I tried again and this time the machine said it could not disburse any funds. When I checked my account by phone I saw that I had been debited {$200.00}. I called my bank, USAA and filed a complaint. They said it would take 5-8 business days to refund my money. This is unacceptable. What if that had been my last {$200.00} until payday. When I called a second time on XX/XX/XXXX, I was told the error had still not been assigned to anyone and I would get a provisional refund on the day it was assigned. I was told there are a lot of these errors and they have a whole department dedicated to tracking them down.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: In XXXX of XXXX I opened a 7 year CD at 3.85 % with USAA. When the XXXX matured this past XXXX XXXX, USAA automatically rolled over the proceeds from that XXXX into a new 7 year CD without my knowledge or consent. The new XXXX has an interest rate of only 1.1 %. In order to get my money out I had to pay a {$2500.00} early withdrawal penalty from the new XXXX that they opened without my knowledge or consent. I tried several times to get through to the bank in late XXXX and early XXXX. It took me several attempts to get through to the bank by phone, each time being transferred and placed on endless hold. This is a predatory practice aimed at cheating unsuspecting customers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In Regards to my USAA SAVINGS BANK # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX USAA began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which USAA has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I discovered that a USAA account was opened in my name. I do not do business with USAA nor have I ever. I am not even in the military or related to anyone that is. I am a victim of identity theft. This is not the first account that was fraudulently opened in my name without my consent or knowledge. I have attached documentation. I have filed a police report with the XXXX XXXX XXXX. The report ID is : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Get OCC involved. Needs to be placed on US treasury DO NOT PAY LIST. scam artists who- lie to me do not enter my data correctly have multiple computer failures have XXXX issues -retaliate against veterans and XXXX veterans -seize asset wo US GOVT permission refuse to allow customers to wire money to another account refuses account access to check funds -are in TEXAS and repeatedly CON other veterans refuse to open credit lines when thousands available for the line bc they " cant put you as a citizen '' in the computer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX this year, I received from USAA savings bank, a form XXXX, saying that they had cancelled my debt of {$3500.00}, and requiring me to report it as income to the IRS on my tax return. I reported it as income, as required, but USAA is still reporting the debt of {$3500.00}. This is unacceptable and annoying. How can they be reporting a {$3500.00} balance when they cancelled the full amount of the debt? On XXXX XXXX, XXXX, USAA received my dispute that I sent them through the mail, and today, XXXX XXXX, XXXX, I received from USAA the results of their investigation, which is that they claim they are reporting accurate information to the credit bureaus. When I sent XXXX a copy of the XXXX, they updated my report to having a XXXX balance and paid/closed, which is the correct information. XXXX and XXXX wo n't do the same thing. I am considering filing a suit against USAA for inaccurate reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had financial and mental set backs upon returning from the military. I had multiple credit cards through USAA. I fell behind and they were eventually closed. The time came to purchase a new house and even though they were closed they effected my credit. I contacted USAA directly and they said they do not deal with closed credit cards. I confirmed the holders of the debt and reached a settlement with them.I paid a negotiated price on XXXX XXXX with two separate companies. One company by debit card and one by check over phone. I got confirmation for the debit payments XXXX XXXX and on the check by phone XXXX XXXX. The amounts were XXXX, XXXX, XXXX, XXXX, and XXXX. Once I got these letters I contacted USAA again. After being on hold for over 30 minutes they said they had to send it to some back office and there was no way to expedite or check up on the processes. They gave me a time frame of 2 weeks for this to be updated. During this time I submitted for a rapid rescore. Having given permission to USAA to share my information with all 3 credit bureaus on my initial phone call as advised there should have been no problem. The rapid rescore comes back and says that I must call and give permission. I tried again and my credit still reflects these balances. The rescore did nothing. It has now been 6 weeks since paying and receiving letters stating these accounts are resolved and settled in full. I contacted USAA again before escalating to this level. I was transferred multiple times and when it sounded like I may be on the right track I was to be transferred again. Instead I was hung up on. I called back AGAIN. I requested to be transferred to the department was met with an astounding array of security questions that I even did not know some of. Was told I needed to be transferred placed on hold again. Hung up on again. I did not want to go this route but this appears to be my only option. USAA up to this point has been an amazing organization and I believe in their philosophies. This is ONLY to do with their 'charge off ' department. **Please note that some of the documents are password protected. The password is XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A