Date Received: 2023-09-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The Claimant Terminated A USAA Federal Bank Checking Account {$350.00} by Final Disbursement by XXXX Mail and is Currently Investigating Fraud with XXXX XXXX XXXX XXXX Fraud Department XXXX NC A Fraud Department Investigation is Currently Under FBI Investigation with An Unresolved {$12.00}. 50 Illegal STOP PAYMENT FEE that USAA Bank Fraud Agent is Investigating illegal Third Party Anti Trust ViolationXXXX XXXX XXXX XXXX XXXX New York NY The Claimant has Not Resolved this Character Assignation Malicious Financial Attack for THREE Years and Requires USAA Federal Savings Bank Investigate Fraud Waste and XXXX with Texas Attorney General XXXX XXXX Immediately! Investigate With Impunity XXXX XXXX XXXX XXXX DUE PROCESS of LAW
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing on a mortgage
Subissue: Fees or costs after closing
Consumer Complaint: Myself and most members of my family have been members of USAA Federal Savings Bank my entire life. When I became an adult I opened an account and did active banking with them for years. I recently became interested in moving to XXXX XXXX and called USAA to extend credit to me for a dwelling. I perform professional research of federal laws, regulations, procedures, contracts, etc. Upon reading Regulation B and other relevant sections of the United States Code, I decided to request the transaction pursuant to the provisions of the regulations and other applicable laws as follows : 1. I expressed to the bank that I am an adult, at the sufficient age of 35 years, and competent to contract. 2. I expressed orally and in writing that I am submitting an application as an endorser, to secure the loan using my own making/issuance of a promissory note to be appraised and acquired as a printed security form of collateral. I expressed that Regulation B as well as the Securities Exchange Act expresses and implies this right throughout. XXXX. I expressed that I am not willing to allow USAA to designate my Trustees, or Beneficiaries because I am competent to make those designations myself in the best interest of my estate. XXXX. I expressed that I am willing to negotiate the terms of the agreement within reason and requested USAA to also meet me with a reasonable, conscionable agreement to include reasonable consideration for the exchange of value. XXXX. I expressed that an adhesion contract must still be conscionable and can not include terms that are non-negotiable while barring me from my right to contract, to trade, to access credit, to fair housing, and to freely dispose my ( investment ) property. XXXX. I expressed that it is an act of discrimination to allow me to obligate myself to the repayment of an obligation as a competent adult, but not to allow me to negotiate that same contract as an adult who is at the age of majority and competent to contract. XXXX. I expressed that it is an act of discrimination to limit the amount of credit I can access based on the location of the home because I was advised that there is a limit on the amount I could spend on a home. It is located in XXXX XXXX, Ga with a heavy population of people known as XXXX XXXX XXXX ( XXXX XXXX ). XXXX. I expressed that it is a federal white collar crime to make any attempt to use an extension of credit to extort real property from a Consumer by attaching a lien without any just cause, reason, or consideration because Consumer law clearly regulates the cost of credit stating that the total cost is equal only to the finance charge. XXXX. I expressed that the banks policies do not and can not supersede the law nor my right to negotiate in the best interest of my estate in the credit transaction under trust. XXXX XXXX responded by telling me that the banks policies are what they are and they will not negotiate. He advised me that the bank will not allow me to designate my own Trustees and Beneficiaries as they are forcing their own interests in my transaction to lien the real property without any consideration to me or my estate whatsoever. He only gave me the option to keep asking them for consideration of my rights to transact under trust as a competent adult. I am willing to resolve this dispute by pledging and/or properly endorsing my note to allow the bank to retain premium interest in the income while I maintain equitable ( principle ) interest as I am performing as an endorsing Agent and not as a surety ( usury ). I am not willing to enter the agreement with no consideration whatsoever. The terms of the agreement offered by USAA Federal savings bank violates all manners of law and order and are repugnant to the Constitution, international law, the Code of Federal Regulations as positive law, and the OCC Interagency Examination Procedures for Fair Housing. I also did not express any authorization for USAA Federal Savings Bank to run my credit for this transaction. I submitted an application to endorse my negotiable instrument ( printed/book-entry security ) without real estate collateral involved. There was no discussion about my credit score whatsoever. There was no other reason for them to deny me access to credit so they ran my credit without my permission to justify their denial. This is an illegal attempt to extort real property using an extension of credit which is prohibited by federal law in 18 USC 891-894. It also restrains free trade and my civil rights to contract at the age of majority in the best interest of my estate. I would like intervention in this matter as a hardship request for reasonable accommodation as my family is currently in need of adequate housing. I am a reasonable person looking for a reasonable agreement to obtain housing and I am willing to negotiate reasonably with USAA because again, my entire family has federal work history and my parents met in the military. We are members and actual investors in this bank with our securities and our entire lives. We have trusted them with our money and livelihood as we allow them to manage our assets and investments using their accounts. We are asking the CFPB to kindly execute their administrative enforcement powers to assert control over this requested transaction as federal law also prohibits a Creditor or any person from restraining trade, from depriving people of their rights under the color of law, avoiding or evading the creation of a taxable event, and discriminating against people on any prohibited basis. I would also like to add that my creditworthiness is evidenced by my right to perform as an endorser and not as a surety. My income capacity is determined by my principle equitable interest in the performance of the note/security as it is traded and exchanged for the benefit of all parties. USAA wants to take all consideration of value for themselves or they have expressed that my family should go elsewhere to find another bank even though we have invested in this bank for several decades across my entire military/federal affiliated family. We are from the XXXX XXXX area XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I made a purchase for XXXX wigs from XXXX for XXXX. On XX/XX/XXXX I received an email from the merchant that they did not have enough product & would refund in XXXX days. In XX/XX/XXXX I received another email that said it could take up to 30 days. On XX/XX/XXXX I filed a dispute with my bank USAA & gave the emails from the merchant. At that time I received a credit. I received an email on XX/XX/XXXX that said it was closed because more info was at said it was closed because more info was needed & the credit was reversed. A rereview was submitted that same day. I resubmitted the XXXX emails from the merchant again. The next day on XX/XX/XXXX I received another email stating that I resubmitted the same documents & there was no error found from the merchant. However, in both emails the merchant acknowledges that I would not receive what I ordered & to go through my bank to get my refund faster. On XX/XX/XXXX I called back again & spoke with a USAA manger who told me there is nothing more that I can do. I called back & spoke with another manager who told me that a dispute analyst would call me within XXXX business days. I received a call today, XX/XX/XXXX, at XXXX but could not hear anything. Once the voice did come through I was hung up on. Of any dispute that was ever placed on my behalf this has been the one time that Ive had a direct email from the merchant stating I would not receive what I bought & I do not understand why USAA would not handle this issue, especially when they state that they guarantee the return of money for their customers if defrauded. This is the XXXX time Ive gone through this was USAA & I refuse to allow this to happen again. I will be closing my account once I complete handling this issue. As a XXXXyear veteran of the XXXX XXXX I do not feel that my money or myself I Has been taken care of or handled with care.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Had charges on debit card linked to checking account from XXXX totaling nearly XXXX. Called Usaa bank and reported fraud. Canceled card. Usaa issued provisional credit. They later reversed the credit based on ticket-masters response. I am now out nearly XXXX XXXX and they are unwilling to help. The evidence provided by ticket master clearly proves fraud as it is a fraudulent account from a city I dont live in and tickets were delivered to an email that is not mine.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Today on XX/XX/2023 I am filing another CFPB report on the notice of my USAA Checking Account, UNAUTHORIZED, Ach withdrawl that took place on XX/XX/2023 from XXXX. In XXXX in relation to another CFPB report filed on the this same issue, I was reached out by USAA stating that " we received authorization & biometric information of this withdrawal ''. I was told by the USAA representative that if I wanted to see the information they used to decide my claim, I would have to file a subpoena from an attorney for this to be allowed because they use " internal systems '' as stated by the USAA representative. After speaking to an attorney that is a friend of our family, " USAA or any bank in general CAN NOT * tell a member to get an attorney to release information from a Credit or Debit Card dispute relating to an investigation ''. Also said by our family attorney " USAA must release all or no information in relating to a Dispute ''. In XXXX of this year 2023, USAA sent SOME* documentation to the information used to deny me to be accredited the stolen funds, but seems to be hiding some of the information or does not have any " internal systems information '' so they can deny me any accreditation. I have had a history of my identity, personal information & bank account being stolen/leaked online, and USAA as my bank is suppose to be protecting my finances to prevent this from happening. During the same conversation with the USAA rep back in XXXX, she stated to me that " As a consumer, you always have the right to dispute a transaction, but as long as the opposing company responds weather they say they were at fault or not, we don't have to credit your account ''. This is the not the 1st transaction that USAA has allowed XXXX to take from me and not the first time in the last year they refused to provide me with the resources/documents used to deny the accreditation. The rights & changes I had liked to my USAA account at the time of the stolen transaction for overdraft was that any charge over the amount of {$500.00} would be auto denied unless I called in. Another part of my overdraft police was set to an autodenial if I didn't have the funds in my checking account. I never have more than {$2000.00} in my checking account. So when this transaction processed, it was automatically taken from one of my saving w/o my permission. Like XXXX said, this isn't the first time I have had a problem with XXXX & them easily taking funds from my USAA accounts. I have contacted XXXX multiple times, & only received XXXX responses to which XXXX of the reps from XXXX stated that, my account was closed but the information was not deleted, so most likely a hacker took the funds. The XXXX rep from XXXX stated that because the funds were already taken out of the XXXX account around the same time they were deposited in, there is no way to trace or refund the stolen XXXX. The amount stolen from my Debit/Checking Account from USAA is {$3700.00} I XXXX XXXX XXXX XXXX DID NOT AUTHORIZE THESE TRANSACTION LISTED AND NEED USAA TO CREDIT THE STOLEN AMOUNT NOW.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called USAA American Express Credit Card Customer Service number at XXXX which was provided on the statement. Issue # 1 - they asked for my whole credit card number or my social security number to be provided to triage who i am before connecting me to a service representative. Issue # 2 - when connected with a service representative, I was told I had to provide my account password as one of the personal varication steps. Issue # 3 - i called for two reasons, but my complaint is on the second one. My credit card statement is showing charges from XX/XX/2023 through XX/XX/2023. And is showing Interest charge information tallied on XX/XX/2023. There is nothing on the statement that specifically states what date ranges the statement is covering so I must presume, based on the charge information, the statement is covering the period from XX/XX/XXXX through XX/XX/XXXX. My credit card limit is {$5000.00}. I had no previous balance. Between XX/XX/XXXX and XX/XX/XXXX, I had {$1000.00} in charges and no accrued interest. Yet, the statement is showing available credit is {$1500.00}. I was calling to get an explanation as to why the statement was not showing {$3900.00}. The service rep kept trying to say that it was because of charges accrued after the XXXX of XXXX- even though they are not reflected on the statement. This does not make sense as a statement is to reflect a point in time and should only consider that which is encompassed within the printed statement for the time frame that statement is covering. She was unable to provide an explanation as to why charges not represented on the statement were impacting my printed available balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2023, I went into overdraft in my checking account at USAA Savings Bank because USAA mistakenly deducted a {$300.00} payment from my checking to go to my auto loan account that they have the lien on. I only authorized ( or remember ) authorizing one payment of {$300.00} to be transferred from my checking to my auto loan account, but USAA deducted it twice, claiming that I processed two payments of {$300.00} to be transferred to my auto loan. Their explanation does not make sense because I only authorized one payment of {$300.00} to go towards my auto loan. Their error has caused my account to be overdrafted XXXX and there is also a pending automatic payment that is scheduled to deduct another payment from my checking to go towards my auto loan. If this happened, then that would be 3 payments credited towards my auto loan in a matter of 4 days. I requested to cancel the automatic payment scheduled to come out soon and USAA refused to cancel the automatic payment, additionally I have tried several times over the past few weeks to cancel my auto automatic payment and have been unable to. USAA actions is causing my bank account to be overdrawn for no good reason. I would like one of my payments ( {$300.00} ) made so far to be refunded, and any automatic payment that is charged to my checking account, I would like that payment also to be refunded also, because I have already applied one {$300.00} payment to my auto loan on XX/XX/2023. I have attached the duplicate payments that was taken out of my account towards the auto loan. I also want to cancel my auto loan automatic payments. Thank you. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited checks based the timeline Usaa bank provided, ( most of the funds were made available immediately, the balance was to be made available XXXX business days later. ) I made payments from my account which then bounced. Further inquiry showed that the bank placed my checks on hold entirely ( deviating from what they conveyed originally ). They now have a hold on my account and deposits .they refuse to give a timeframe or disclose if and when the funds will be made available. Meanwhile the checks have already cleared the writer 's banking institutions
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I had recently mistakenly deposited an erroneous check in my account on XX/XX/2023. I had created a new account and had attempted to move the money in an effort to not co-mingle or spend the funds as a legal precaution. XXXX were able to go into the account and XXXX were on hold.The same day I called USAA to inform them I suspected the check was fraudulent and advise them to look into it. This was reported to the fraud department of USAA. I gave additional information to include the addresses names and the like that were given me to assist in the investigation. On XX/XX/2023 I received a call from USAA that my accounts were locked due to a negative balance on my way home from work. I was literally running out of gas attempting to get home to my daughter. All of my accounts are locked because they are under review due to a negative balance of - {$2500.00}. This {$2500.00} resides in another account and is inaccessible to anyone at this time. I am unable to use my debit card as well. No one at USAA can do anything about it. Members as a whole are unable to talk to managers or supervisors due to something? Additionally there are no contingencies available for such situations such as expediting, debiting another owned account by request, etc.. The only option being an additional deposit which would require access to another bank account since they would be external sources I had since switch the auto overdraft to take from the account where the money resides in the hopes that something can be done. I am now in a scenario where I can not access any funds, my paycheck has gone into the bank before I knew what had happened, and I am being punished for being a victim of a work online scam all while attempting to assist the authorities in catching the culprit. I am left with no way to access my money, very little gas, and a child. All while the Member resolution team is not allowing members to speak with any supervisors or managers as a defacto unwritten policy as the money sits in the bank ready to be transferred to cover the defrauded account. This bank is supposed to be for veterans, active, and reserve military. How in the world can you treat those who would lay down their lives for their countries in such an extremely inappropriate fashion? Imagine if this happened abroad?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: USAA has been consistently reporting higher credit card balances to credit reporting agencies than it is showing/making available for payment... I've emailed full evidence of this to the CEO, and his execs have been contacting me periodically over the last month or so looking at the issue, but denying they're misreporting... Despite the clear and present evidence I have given them proving it... The net impact has been somewhat lower credit scores because I generally keep my balances low by paying them down at least twice per month... But during months when I make very large purchases ( antiques, rare coins, and other collectibles ) near the credit card balance reporting date for my account, this would have very large impact on my credit score... Therein it really only impacts those who actively manage their credit card balances to keep them low... The problem looks like it's being caused by their system allowing pending transactions to clear ( but not post to the visible/payable balance ) during business days, instead of at night for the next business day... The fix would be to recode their system to finalize pending charges after XXXX so the balances match...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A