Date Received: 2017-06-12
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: There are at least XXXX negative accounts on each XXXX of XXXX credit reports that I have with XXXX and XXXX . I have XXXX with XXXX . After reaching out several times to all XXXX bureaus about these items that were fraudulent on my reports, they in turn reached out to each creditor ( so they say ) with my concern. Within days, my reports came back as verified and accurate. I have requested from credit bureaus as well as all creditors involved to provide me with my handwritten and/or electronic signature as proof that I am the one who opened the accounts per FCRA guidelines. NEITHER companies will comply and is in direct violation of the law. I have compiled my police report that TU told me to get this year, ID Theft Affidavit ( dtd as far back as last year ) showing the accounts were not mine, as well as justified staff opinion letters, and a notarized item letter to address each account in question. All of my legal documents were ignored, and discarded. The credit bureaus/creditors still have not been able to provide me with proper documentation of my signature so that I may move forward in a civil suit against the perpetrator who has used my name and identification fraudulently. That is the main reason why I need this information, but since the companies have failed to provide me with it, now they are in direct violation. According to FCRA sect 6 ( b ) guidelines- Consumer 's signature must be provided as identification method for an account to be declared verified. If it can not be, the report must be fixed to reflect the deletion of the item permanently from the report. Be advised that if there is no resolution to this case, I will be including these companies in my lawsuit as well.The following creditors are in question : USAA- ( cert letter sent XXXX / XXXX /17 ) listed XXXX times on XXXX report, XXXX times on XXXX report, and XXXX time on XXXX - all different account numbers. This company has failed to even respond back to my request for the legal contract with my signature. XXXX XXXX - ( cert letter sent XXXX / XXXX /17 ) listed on XXXX and XXXX report- responded back with ID theft affidavit/police report which I in turn sent back to them ( still awaiting their response ) XXXX XXXX - listed on XXXX / XXXX report- ( cert letter sent XXXX / XXXX /17 ) responded back without providing legal signature of signed contract. Mysteriously sold the account to an unknown company thereafter. BE IT KNOWN that I shall have no dealings with third party debt collectors, only said original creditors that are listed on my report per FCRA guidelines. XXXX XXXX aka XXXX XXXX - listed on XXXX / XXXX report- ( cert letter sent XXXX / XXXX /17 ) responded back with a " typed name '' and using that as my signature. This is unacceptable and does not fit the requirements listed in the terms of the FCRA. XXXX - listed on XXXX / XXXX report- ( cert letter sent XXXX / XXXX /17 ) responded back with no valid signature on file for me. Just a " clickable dot '' that was suppose to confirm my signature. They quoted the E-Sign act in which this case would not be applicable having had my identity stolen. As we all know, anybody from any computer can do that. Requested MY ACTUAL signature IAW FCRA and they have not responded back. XXXX - listed on my XXXX / XXXX report- ( cert letter sent XXXX / XXXX /17 ) failed to respond back within allotted 30 day requirement. XXXX XXXX XXXX - listed on my XXXX / XXXX report- ( cert letter sent XXXX / XXXX /17 ) failed to respond back within allotted 30 day requirement. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- End Of Statement -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Yes, my name is XXXX XXXX . I have written before about this issue with USAA Federal Savings Bank Mortgage Services, Homeowners Insurance Services- in particular XXXX XXXX XXXX XXXX out of XXXX Alabama and XXXX , w hom USAA uses to service their mortgages. I am currently trying to sell my home as a direct result of very exceedingly shoddy service by all the above listed corporations. To the point. Yesterday I spoke with XXXX XXXX of USAA, who USAA assigned to investigate these matters. XXXX XXXX was unable to find any voice recordings of myself nor my realtor of XXXX XXXX XXXX , in XXXX Alabama- f or the last 30-days. This is odd as USAA reco rds every call! Second, XXXX XXXX claimed USAA does no t provide any informal property appraisal 's. As I explained to XXXX XXXX , why was this simply not originally told to my realator, instead of her being transferred 3-times, and myself whne I was transferred everywhere but right department at XXXX - t his says nothing of USAA agent I spo ke with simply not telling me this to begin with. XXXX XXXX was also supposed to call my realator and explain this when we humg up and she did not. XXXX XXXX also asked if, I wanted USAA to re investig ate XXXX XXXX XXXX XXXX out of XXXX Alabama, and I told her i f USAA was n ot smart enough to figure out on there own they needed to so then I was not going to tell them to do so! Furthermore, I have had issues, as I have told you before with the Probate Judge of XXXX County- XXXX XXXX , who has ties to XXXX XXXX XXXX XXXX out of XXXX Alabama . I al so told you I have had issue with City of XXXX , and my Property Owners Association- XXXX XXXX XXXX XXXX . Additionally, I told you, XXXX numerous books these entities have various means of lowering residents property value. Therefore I am submitting attached file demonstrating this, as evidence. Sadly, I have been put though ringer by just about everybody since I bought this house last XX/XX/XXXX - ergo why I am selling, in large part. XXXX , renowned authority severa l thousand people a yer commit XXXX due to Homeowners Association/POA XXXX . I will simply not be one o f those unfortunate individuals. Any assistance you can provide in this matter would be appreciated.
PS : As I have told you repeatedly, USAA is run by r etired senior military officers and there are well over 50,000 vete rans in my area- so odds that is some link here are in fact pretty great. But that is for others, such as your organization, to figure out not me.Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2017-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-10
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was the victim of identity theft which I repor ted in XX/XX/XXXX . I received the assistance/guidance from XXXX from the Identity Theft Resolution Department, a service which I pay USAA monthly for. I followed all instructions as provided by USAA, filing reports with the FTC and XXXX Police Department and provided USAA with all requested case numbers. It took USAA quite a while to correct the fraudulent billing errors as they were on multiple USAA credit cards, during which time their agents repeatedly reported the same c ase multiple times instead of updating the existing case. In the end I had to get help from someone in the CEO 's office who got everything corrected. I received letters stating the credits were now permanent and the the investigation had been concluded in my favor.
Despite being against consumer protection and way beyond the 90 days allowed by law to finalize any billing dispute as allowed by law in XX/XX/XXXX more than 12 billing cycles later, without any notice, documentation or explanation USAA has charged me back for all the " permanent credits '' on only one of my affected credit cards. USAA has refused to provide any explanation, information or documentation for the charges despite my repeated requests. I have been told USAA re-investigated the case on my XXXX XXXX Card only because because of a new fraud claim opened on my debit card. One which was only opened because the USAA agent I spoke with was unsure how to open the claim from my utility company charging me for someone else 's bill. It was under USAA 's guidance and suggestion that the new claim be processed as fraud. Now because of their own suggestion they have charged me back without notice or reason on an unrelated credit card despite the new claim being investigated and found in my favor. To make matters worse, USAA has begun taking adverse action against me with out providing any notice as required by law. Not only have they limited access to my credit card in question, but they have limited my access to all my accounts I currently have with USAA. I am unable to pay my bills, view the balances of my checking, credit, investment, auto loans, insurance accounts, transfer funds, access my insurance statements or policies. I am unable to view or respond to messages fro m USAA, or even access my funds electronically in any of my accounts. USAA has als o made several reports to the credit reporting agencies regarding the disputed charges which has lowered my overal credit rating. Even though legally USAA is required to provide notice prior to taking any adverse action, and legally not allowed to take adverse action while an account is being disputed I never received any advance notice or documentation of ANY kind despite repeated requests and phone calls regarding any of these actions. Additionally, I have made repeated attempts to conta ct USAA regar ding these many problems. Most recently I left multiple voicemail 's for XXXX in the CEO 's office. Finally on XX/XX/XXXX , weeks later I received a call which went straight to my voicemail from XXXX , I attempted to contact her immediately but was sent straight to voicemail. At which time I called the CEO 's of fice and spoke with XXXX , who informed me XXXX was currently on another call, but would have her call me back ASAP. It is not after hours o n XX/XX/XXXX me aning the bank is closed until Monday XX/XX/XXXX and I have yet to receive any accessible form of communication from XXXX . I have been calling and trying to get these many issues and violations of my legal rights corrected as I need to pay my other bills for a month now. USAA has effectively without notice, cause or justification effectively put a strangle hold on my finances preventing me from being able to pay any of my bills, view or access any of my accounts which will begin causing massive penalty fees and destroy my credit rating even further than they have already. USAA 's refusal to this day to adhear to the legally alloted time frame for billing disputes, violation of documented notices and agreements provided by USAA, provide any notice, documentation, respond or communicate to my requests in a reasonable or timely manner, in addition to taking adverse action on my credit report, affected card and every other USAA accounts has violated multiple consumer protection lawsCompany Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78723
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-02
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I received a promotion from USAA to lower my interest rate for a period of time for all balance transfers. According to my XXXX statement, I had a credit line of {$15000.00} with {$8200.00} available. In conjunction with another credit card with low interest, I decided to transfer the entire balance of one of my loan to my credit cards. In order to do this, I had to use convinence checks. While I had checks for the other account ( also with USAA ), I did n't with the account in question. So I order them and when I received them, sent a check for {$6400.00} to XXXX XXXX XXXX mid XXXX. The XXXX XXXX started to process the check onXX/XX/XXXX. OnXX/XX/XXXX I received a statement showing a reduce credit line. USAA refused to honor the check that was written that was being processed via the bank clearing house. I called USAA on the XXXX about this since it had an adverse affect and I had not received prior notice. I later received a letter ( dated XX/XX/XXXX) from USAA indicating the credit limit change. I believe that USAA in this case is not acting in a honorable fashion since the check was written and was being process before the change and show have been honored. I would not been upset if the change had occurred beforehand. Refusing to honor this check will cause me financial harm due to the higher interest rate I now have to paid on the remaining balance. I am addressing the problem with my credit score via an open complaint previously filed ( XXXX ) that is awaiting resolution.
I am disappointed because USAA normally does an excellent job in the many services they provides to me and others in my family. It about fairness and timing and continuing your high standard across the board.Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I XXXX XXXX CC NUMBER XXXX XXXX XXXX XXXX WAS COMPROMISED ON XX/XX/XXXX FO R {$2400.00} I HAVE HAD SEVERAL FRAUD COMPLAINTS AGAINST THE CARD AND HAVE CHANGED THE NUMBER SEVERAL T IME. USSA visa IS T HE CARD I AM REFERRING TO. THIS IS THE LIST OF OTHER CHARGES THAT I HAVE TRIED TO REPORT FRAUD ON. BU T 1 ) THEY KEEP CUTTING ME OFF 2 ) TRANSFERRING ME TO A NEW PERSON 3 ) CAN NOT FIND MY INFO 4 ) TALK TO ME TERRIBLY 5 ) SCREAMED AT ME. 6 ) TREATED ME TERRIBLE, LEFT ME ON HOLD FOR 2 HO URS. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED. I HAVE BEEN A VICTIM OF FRAUD IDENTITY THEFT. AND THE CARD WILL NOT TAKE MY CLAIMS. O N XX/XX/XXXX I HAD SOMEONE HELP ME WITH A FRAUD CLAIM AS I AM BOR N IN XX/XX/XXXX AND HAV E A HARD TIME UNDERSTANDING THERE TRANSFERS, AND SAME QUESTIONS OVER AND OVER. MY HELPER REPORTED THE FRAUD WITH ME TOD AY XX/XX/XXXX I CALLED TO FOLLOW UP AND THEY TRANSFERRED ME AROUND F OR 2 HOURS AGAIN. I HAVE A HELPER WHO HAS FILED 2 FRAUD CLAIMS WITH ME AND STILL THEY RUN US AROUND AND PUT US ON HOLD AND SCREAM AT HER ... I HAVE TALKED TO XXXX DISPUTE, AND FRAUD, TO XXXX , ( NO LAST NAME ) XXXX ( NO LAST NAME ) XXXX ( NO L AST NAME ) AND TO XXXX AT CARD SERVICES, NON OF THEM HELP ME THEY JUST TRANSFER ME TO ANOTHER DEPARTMENT. I HAVE ALSO BEEN CHARGED {$150.00} PER MONTH FOR 12 MONTHS BY XXXX XXXX XXXX FOR SERVICES TO HELP ME. THEY HAVE NEVER HELPED M E ... DO N'T KNOW THEM EITHER. I AM AT MY WITS END WITH THIS PLEASE HELP ME THIS IS SENIOR CITIZEN ABUSE. I HAVE NO MONEY TO PAY THESE RIP OFF COMPANIES. I NEED YOUR HELP. PLEASE CONTACT ME AT XXXX XXXX THIS IS THE LIST OF COMPROMISED CARDS. XXXX XXXX XXXX XXXX AND CARD XXXX XXXX XXXX XXXX THEY HAVE XXXX FRAUDULENT CHARGES ON THEM. PLEASE HELP XXXX XXXX . XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: USAA charged me over {$400.00} in NSF FEES!!! What sense does it make to charge me a FEE for not having enough money to allow a charge ( that the bank DECLINE D ) go through ??? All this unfair and unethical treatment ( which is equal to STEALING from me, and should be illegal ) did was put me DEEPER IN THE HOLE and cause me additional financial hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX , I got an email from USAA advertising their 0 % for a year promo for balance transfer, and if I acted by XXXX XXXX , I 'd get the 3 % waived. I found out today that I was charged the 3 % when I asked why, they directed me to the fine print that it has to be POSTED by the XXXX , not initiated. I told them that was deceptive because I had no control of when they posted anything, they could deliberately hold posting beyond the XXXX to get more fees. I also asked them why 'd they send the offer on XXXX XXXX , knowing I could n't take advantage of it since it takes many days to process.. After an hour, I was basically told tough XXXX XXXX XXXX . They refused to cancel the balance transfer, refused to refund the 3 %. They told me I was free to pay the credit card off, but they 'd still get the 3 % I got transferred to the escalations department. I want to point out that I just wanted to take advantage of the offer. I never pay credit card interest, and never carry a balance so when they stole 3 % from me, they cost me money, not save it. Given that, as the consumer, this was n't clear advertising, but default they should be forced to make it right. When you initiate a transaction with a bank online, you do n't anticipate them to take a week to process it. Given the facts above, I ask that you submit to USAA and request them to make this situation right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an XXXX XXXX account with USAA and I 've been constantly been charged with interest on purchases fees in the amount of {$57.00} and also hit with a interest charge for cash advances in the amount of {$46.00} on a monthly basis. I 'm hit with the interest on purchase fee if I pull out a cash advance and I believe the cash advance fee to way to high. I 'm also hit with these same charges even if I dont ' use the card at all. I 'm being told that I also incur these charges if I carry a balance over to the next month. I 've been making payments on this account for years and these charges whether I use the card or not is keeping me in a constant loop of debt. I 've tried to talk to XXXX XXXX at USAA about these constant charges to no avail. I need this agency to step in and mediate an fair rate of interest. It 's like a mob shake down where I will never be able to pay this account off. I 've attached a copy of my account statement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-10
Issue: Was approved for a loan, but didn't receive the money
Subissue:
Consumer Complaint: XXXX XXXX notified me that USAA is not relaying information timely so it is hindering my use of their services
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98371
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX I was informed by email that my bank had excessive ATM withdrawal and Check deposits. They needed to call me and talk. ( ( Mind you all this happened in a time frame that I was sleeping and not realizing what was going on. ) ) When I called I was asked about it all and of course I was shocked.
Not only had someone gotten into my bank account, but they had also deposited a check and taken part of that. I get the scams. I 've read up on them now, and I can see why USAA would accuse me. But after years of being with them and never having this happen ... Its crazy. I am living in XXXX and the situation happened in XXXX. It physically, within the time I was seen here and when it happened, could not happen. I was in church Sunday from XXXX XXXX XXXX, and saw my XXXX XXXX at XXXX on Monday, and I was at work by XXXX XXXX Tuesday morning. By XXXX XXXX that Tuesday I was headed to the VA office. I most certainly can get written statements from everyone if they want that. I did n't do this. I would never drain my account and scam myself. I do n't even have anything to do with XXXX XXXX. I 'm not that XXXX, nor did I need money. I have great credit and not only take that seriously but I have always had a clean account and good standing with USAA. At first they flat out asked me if I deposited a check for that amount. I was so frustrated and humiliated by it I actually took offence to it. They said Id be responsible for the Fraud check balance. ok ....? I NEVER ERCIEVED A CHECK!! I never even had a check in my hands. Someone else did all this and I 'm getting blamed. Its one of those freak incidents and yeah I 'm just as baffled by it. Again they did n't and do n't believe me or get it. Today is XXXX XXXX XXXX and I got an email, ( no call or anything personal to let you now they actually tried ), and I was being held responsible for every penny. XXXX dollars. So everything they had credited to my account considering what happened, they say they 're taking back. Not only the scammed check, but every penny that was mine. Everything to my name. Someone scammed me, and the bank is telling me I did it. I 'm left penniless and I 'm scared. So if it happens again, I 'll get blamed. Again. Do you think I want to keep banking with them after this?Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40701
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A