Date Received: 2017-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I had a bankruptcy discharge on X/XX/17 and have attached it to this complaint. My complaint is against USAA Credit Card XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. USAA Credit Card XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. XXXX. I am uploading a copy of a credit card statement they sent me whereby they are billing me for debts that were discharged in bankruptcy. They are not supposed to be doing this as this is in direct violation of the bankruptcy discharge injunction against them and they are robbing me of a fresh start. My concern is when this statement closes on the next statement cycle, or XX/XX/XXXX, they will report this to the credit bureau. This debt was supposed to have been written off by them. This debt was included in my bankruptcy and I have the claims register to prove it.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2017-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
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: To Whom It May Concern : I have recently been informed that there are negative information reported by USAA savings Bank in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and XXXX XXXX XXXX XXXX {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX run inquiries, bearing my wet signature, USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Two unauthorized charges on my checking account. XXXX {$160.00} and XXXX {$77.00}. I have contacted USAA on XXXX, XXXX, XXXX, XXXX and XXXX/XXXX/XXXX, and USAA refuses and/or declines to initiate a fraud investigation and restore this money to my account. I do n't know why this bank is being complicit and cooperative with this fraud, but I have exhausted all attempts to favorably resolve this with this bank. I do not believe my money is safe with this bank as the runaround and refusal to act is perplexing and unfathomable. They refuse to acknowledge, respond or take action. I have no choice but to believe this bank is being duplicitous with its customers for whatever reason ; and is somehow cooperating with the fraudsters.
Company Response: Company believes complaint is the result of an isolated error
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of this year USAA Bank corrected some of thier mistakes on my credit report however due to them reporting the repossessed car 90 days late 44 times per a current report my score continues to be affected. I am obtaining reports from several banks that have run my credit, overcharged interest, or denied a loan due to this mistake.. In light of recent events I am requesting that this mistake be corrected as well. I am also demanding that USAA refinance the truck loan that was taken in XXXX of this year at a very high interest rate due to thier mistake.. I am also demanding that USAA REFINANCE my home that has now been denied due to thier erroneous mistake following the dispute that was made by me last XXXX. As they responded in my earlier complaint they admitted to wrongly reporting information that the car was still unpaid. Until USAA corrects the reporting my score will continue to be grossly miscalculated. I have met with an attorney here in AZ and he did suggest this contact one more time to see if we can resolve this matter without legal action. I am tired of this problem that I did nothing to create. The refinance amount that I was approved for latest year before USAA falsely reported this account was XXXX. This was to be a cash out refinance to pay off student loans and complete the remodeling of our home. Since this is USAA 's mistake they should have to fix the problem this is the only way that I will accept closure of this issue. Failure to resolve this in a timely manor will result in further legal action and unnecessary court fees to USAA. THEY CLAIM TO TAKE CARE OF VETERANS AND THIER FAMILIES FOR LIFE YET THEY HAVE DONE NOTHING BUT XXXX UP MY CREDIT FOR THE LAST 2 AND A HALF YEARS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: USAA Savings Bank is reporting incorrect information on my credit reports. I sent a certified letter with return receipt which they received on XX/XX/XXXX. This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They did not verify account. I pulled my credit report and noticed the item still being reported. In addition to not providing evidence bearing my signature, they did not contact the credit bureaus to annotate that this account is being disputed within 30 days. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still did not verify the accuracy of their reporting, they did not produce proof displaying my signature, and they broke the law by not notifying all 3 credit bureaus to mark this account disputed within the required 30 day period. Im going to give them another 15 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )? Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my XXXX checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to USAA. That deposit was successful. On XX/XX/XXXX I received an email from XXXX stating that the deposit was successful. I immediately called XXXX and told them when the app said the deposit was not successful I had deposited it to another bank. XXXX said they would not complete the deposit. On XX/XX/XXXX I looked at my USAA account and saw that the {$5000.00} deposit to USAA had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my USAA account and saw that my credit card was charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with USAA ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said USAA had paid the {$5000.00} to XXXX. I began calls to XXXX. They say USAA put a hold on the check and did n't pay it and they claim that when they call USAA their calls are n't returned. It 's been more than 5 weeks and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of USAA wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2017-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-05
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX USAA and Board of Directors USAA USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNT NUMBER Dear USAA BOARD OF DIRECTORS, On XX/XX/XXXX, I obtained an automobile loan from USAA Federal Savings Bank. I am in the final payments of my loan. Sadly, I have been a victim of illegal tactics utilized by USAA Federal Savings Bank. On XX/XX/XXXX I requested an unemployment hardship and was denied using USAA UNEMPLOYMENT insurance. After two months pending after the beginning of my 90 days late. I was COHERCED TO PURCHASE INSURANCE by USAA TO PROTECT JOB LOSS. When I filed the claim for unemployment, I was denied three times which pushed me into default payment status. I was not offered any remedies nor options to avoid default. My only option was bankruptcy. I filled Bankruptcy! After careful consideration, I dismissed my case and PAID my 2 auto loan which were SEVEN months behind. One car is PAID OFF AND THE 2ND IN FINAL PHASE PAYOFF.ALL PAYMENTS MADE DURING THIS TIME WERE ACCEPTED IN VARIOUS AMOUNTS AFTER THE XXXX OF THE MONTH. After speaking with my bankruptcy attorney, Given the ACCEPTANCE OF VARYING AMOUNTs AND DIFFERENT due DATEs, WE ASSUME THAT MY LOAN WAS UNDER A NEW CONTRACT TERM. As a loan servicer, XXXX XXXX -based USAA collects money CONSUMERS owe on their auto loans car payments, late fees, NSF charges, and the like. USAA misrepresented how much I owed, assessed higher fees than allowed by the contract or state law, changed key payment provisions, and flat-out overcharged and retaliated against me. USAA illegally revealed the existence of my debts to my friends, family, and even business associates. One particularly gutsy and illegal technique : directing people to place notes on doors asking friends and family to call them. Also, USAA called people over and over again, sometimes using UKNOWN numbers disguise themselves as my previous business associates, or we have worked together in the past. But USAA didnt stop there. USAA subjected third parties to repeated harassing calls, even after theyd been told not to call or put all communication in writing. Another favorite trick : overriding Caller ID so people couldnt say the call was coming from USAA DEBT RECOVERY or sending FAKE emails posing as a client. Even when I took steps to continue to pay, USAA often falsely stated that I did not PAY or communicate because of the previous my cease letter. AFTER I notified an attorney in my family of the following harassment and USAA behavior they provided and them providing unreasonable repayment plan offered today XX/XX/XXXX, to pay entire LOAN in seven days without written consent or they will repossession of the car. USAA violated procedures in place regarding the accuracy and integrity of my account information ; they gave credit bureaus inaccurate information. I have disputed the accuracy of that info, USAA DID NOT FULFILL mailing LOAN XX/XX/XXXX-XX/XX/XXXXDETAIL STATEMENT REQUEST per my email request ON XX/XX/XXXX XX/XX/XXXX anD XX/XX/XXXX. After careful consideration, I dismissed my case and PAID my two auto loans which were SEVEN months behind. USAA DEBT RECOVERY has retaliated against me for filing bankruptcy, allowing USAA debt recovery to harass and bully. USAA HAS CHANGED payment contractual terms as well as the company misrepresented how much I owed, assessed higher fees than allowed Tennessee state law, changed key payment provisions, and flat-out overcharged me. USAAS has allegedly increased my balances through a combination of human error and to inflict emotional harm on me. Per Debt recovery " I have been in repossession since XXXX bankruptcy dismissal. '' and embarrassed by USAA XXXX XXXX XXXX for utilizing USAA unemployment assistance and or economic hardship. I am disappointed that USAA stated {$2200.00} was an insufficient payment for the month of XX/XX/XXXX, with a balance of {$6100.00} for the payoff of the vehicle. I will not let a company utilize FTC violations in auto loan servicing, debt collection, credit reporting. On Monday, XX/XX/XXXX, XXXX started processing a loan application over the phone for {$6100.00}. My current balance is {$3900.00} for an entire loan amount. Unfortunately, I did not request or call for a new loan. However, I wanted to see what options USAA would offer me. XXXX was accommodating and took my credit application, and the loan could not be processed due to a security freeze. XXXX allowed three days for me to call back and give her a PIN. XXXX stated that if the application was denied, I could apply for the economic hardship or payment arrangements. On Wednesday I called back to provide a PIN and was immediately transferred without completing my application for providing a PIN to debt recovery which violated an open credit application submission. My call was not returned in 24 hours per my request on Wednesday by a manger. Instead, my file was FLAGGED AS A PROBLEM, and the manager created a false issue due to my previous complaints. MY brother was unemployed after he XXXX from the military, USAA XXXX XXXX XXXX offered him options to avoid negative credit reporting or repossession along with a fair credit application to refinance his car. My consumer rights have been violated by USAA as I have been denied access to user accounts and credit applications or additional options for repayment. I will continue to make my monthly payments as I been doing so in the previous months. MY BROTHER WAS NOT OFFERED THE INSURANCE. Under new contractual terms and they accepted my payments my bankruptcy attorney and I accepted the new terms. Unfortunately, your product unemployment insurance was fraudulent. To resolve the problem, I would appreciate federal state and local complaint filed, and any unnecessary fees applied reimbursed back to my account. USAA REFUSES TO PROVIDE A DETAIL BILLING STATEMENT ( beginning XX/XX/XXXX -XX/XX/XXXX) TO VERIFY FEES ON ACCOUNT. USAA ACCEPTED ALL PAYMENTS INCLUDING THOSE OUTSIDE OF THE DUE DATE AND VARYING AMOUNTS WHICH WAS OUTSIDE OF THE XXXX OF THE MONTH.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2017-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My credit card has offered promotional rates on balance transfers in the past, which I have taken advantage of. According to my XXXX 2017 statement under " interest charge calculation, '' I had a {$6000.00} balance at a promotional rate of 0.00 % through X/XX/17 and a {$4000.00} balance at a promotional rate of 1.90 % through XXXX/XXXX/XXXX. My purchases balance ( at 12.65 % ) was {$4.00}. In XX/XX/XXXX, I took advantage of a balance transfer offer on a different card and transferred {$2400.00} of this card 's balance out ( effective XX/XX/17 ). I also made payments of {$98.00} and {$930.00} on XX/XX/17 and XX/XX/17, respectively. As I understand it, credit card companies are supposed to apply payment to the balance with the highest rate first now. When I received my XX/XX/XXXX statement, the promotional rate of 0.00 % applicable to the {$6000.00} balance had been changed, without my request, to XX/XX/17. Almost all of my payments/transfers out had been applied to the {$4000.00} balance ( at the 1.90 % promotional rate through the end of the year. ) I do n't think it 's right for them to manipulate my promotional rates, even by extension, in an attempt to force me into paying more interest. As it now stands, I will be paying 12.65 % on the entire {$6000.00} balance starting in XX/XX/XXXX. This amount should be closer to {$2600.00}. I believe what USAA has done here is fraudulent, and they could be doing this to a lot of people.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: KS
Zip: 670XX
Submitted Via: Web
Date Sent: 2017-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: -On XXXX XXXX , 2017 I paid all of my accounts with USAA in full. -On XX/XX/XXXX I confirmed that all of my accounts were paid off in full and found I still owed XXXX on my account -On XX/XX/XXXX I sent in a payment of {$27.00} in order to pay off my Master Card account in full. I confirmed with USAA that the account was paid off in full. -On XX/XX/XXXX USAA assigned a charge to a XXXX for XXXX . I called them and asked them to remove it as the card had been paid in full. Over the course of the next week I talked to multiple managers at USAA and they refused to remove it. I specifically requested they examine all my accounts with USAA to ensure I was paid in full. I told them I would write a complaint to the CFPB in regard to this. -On XX/XX/XXXX USAA called to tell me they were going to waive the XXXX . They had already done so as of XXXX XXXX , 2017. - On XX/XX/XXXX USAA assigned a charge of {$1.00} to the Master Card I had paid off in full on XX/XX/XXXX . This is clearly a retaliation for submitting a CFPB complaint and an attempt to get money from me for the {$8.00} they " waived '' from the other account. I have asked them to ensure all of my accounts are closed and completed prior to XX/XX/XXXX , and they told me they were. I have paid them in full and they just keep assigning charges to me on an account that they can then assign a late fee to if it is not paid and use that account to destroy my credit rating. They have implied as much in conversations threatening to send these charges to collections.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80109
Submitted Via: Web
Date Sent: 2017-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XXXX 2017 without warning, j ustification or reason USAA decided to restrict my online account access and shortly there after with out warning as required by law close all my accounts in direct response to my filing a complaint with the CFPB. Which is also against the law. However, as a result I began requesting both past and future statements be mailed to me for my checking account for my records. However, to date I have received a single statement for my checking account, and only been told of transactions by USAA for this account. The transaction details I was informed of were all very generic and vague, making little to no sense. Despite multiple requests for additional identifying information USAA has failed to provide the requested information. Additionally, I received a letter dated XXXX XXXX , 2017 stating I needed to claim funds in my USAA checking account or they would be sent to the state as uncl aimed property. However, when I tried to claim the funds USAA agent XXXX informed me I was unable to do anything with the funds and they were not able to be claimed or transferred to any of my other accounts away from USAA as their letter stated I needed to do. So, USAA has sent me a letter requiring me to do something and then refused to allow me to do as their letter required.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A