Date Received: 2017-05-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX / XXXX /17 I applied for the credit card with USAA afte r answering several verifying questions. Upon calling to check the status of the credit card application, I was told USAA was unable to view my report due to a security freeze I had on my report. I called the CRA and verified with them and they stated USAA was able to view my credit report because they see a hard inquiry from them on the report. I have stayed on the phone for hours and spoke to countless individuals to tell them that there is a hard inquiry on my report. I had to pay to retrieve my credit report to provide proof of the inquiry and now USAA is refusing to remove the inquiry.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I started a gym membership with XXXX XXXX . I was detailed out of town fo r 60-days, and since the gym membership was {$140.00} per month, I tried to cancel my membership. The manager said that I could not cancel my membership in person, and could only do so by sending a certified letter with 30-day notice. I did thi s in XXXX . I also asked my bank to stop payment. In early XXXX the bank stopped the payment, but XXXX used a different company nam e ( a vari ation ) to withdraw the payment. I filed a claim with the bank, but they said there is nothing I can do. I called the manager at XXXX and demanded they stop, and they said that I would have to send another certified letter. I filed a fraudulent claim with the bank, but the bank reports there is nothing they can do if XXXX uses a different name. I am not authorizing them to withdraw money from my account. They must stop.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XXXX XXXX , 2017, I se nt a certified lette r to USAA Savings Bank r equesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while infor ming USAA that the debt has been disputed. Note : This certified letter was signed for by USAA on XXXX XXXX , 2017. On XXXX XXXX , 2017, I p ulled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received. On XXXX XXXX , 2017, I sent another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I then pulled my credit report again on XXXX XXXX , 2017 afte r they signed for the certified letter on XXXX XXXX , 2017 a nd the information has yet to be updated to claim I have disputed this debt, nor have they informed me of what collection company this debt now resides.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: USAA reported to the credit agencies that I still owe a balance on an account which had a settlement agreement to settle in full for less than the original balance.. I disputed the debt with the credit agencies and they told me that USAA verfied to them that I still owed them money. This is inaccurate. USAA has had phone conversations with me stating that they are allowed to report a balance on the account since the settlement offer was less than the full amount. This is inaccurate. They are required to update my report with a XXXX balance. They are not allowed to tell the XXXX credit agencies that I do still owe a balance when I in fact, do not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 510XX
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am a veteran and I work for the XXXX XXXX XXXX XXXX . In 20 15 I was placed on FMLA ( medical leave ) due to the XXXX of my XXXX XXXX . Because I was unable to work I became delinquint on my car loans through USAA. When I became delinquint USAA blocked all access to mu checking accounts. USAA is an online bank and is refusing to let me access my accounts online and through the USAA app. USAA is holding my checkin g accounts hostage until I fix my car loan theough them, but I need to se e my checking / savings accounts in order to make proper financial decisions. When I contacted USAA to work out a financial remedy to catch up on the auto loan they refuse to give me access to see and monitor my accounts, until I pay them what I owe. I can not get bank statements online or monitor my checking or savings accounts for almost 2 years. I know of no other online financial institution that completely blocks all online banking due to the account holder falling delinquint, which in turn prevents the account holder from making any accurate financial assessments, monitor for inaccurate account activity by USAA, or even regain financial stability after a huge medical setback. USAA claims to be there for veterans, but as I am a veteran I have seen nothing but borderline illegal debt collection practices and a 2 year attempt to completely block me from seeing my checking and savings account. When I attempt to log on via the USAA app or online banking I am denied for security purposes. When I call the security department they do not give me access to my accounts they only direct my calls to the debt collection department. When I ask the debt collection department for access to my accounts so that I can see my checking and savings to manage my finances I am told by debt collection that I will not get hose privelges back until I pay USAA what is owed. When I tell them th at keeping me blind to all my monitary accounts does NOT allow me to make accurate financial desicions I am deny the right to online banking from USAA which is an online bank! The only branch is inTexas and I live in Ohio. I want access to my online bank accounts, bank statements, and the ability to see and use the online banking tools to serve in my financial recovery, pay my bills, get groceries without operating financiall y blind, even if I owe USAA money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX 2017 I was approved for the new USAA " Limitless '' rewards credit card. USAA 's website promotes the card as earning 2.5 % cashback and says about the card " Enjoy unlimited cash back on the amount you can earn. '' They clearly named the card Limitless and indicated that it offers unlimited cash back. On XXXX XXXX 2017 USAA closed my Limitless credit card as well as my older Visa rewards card with them. USAA also provided notice that they would close my checking and savings accounts with them in 30 days on XXXX XXXX 2017 . The letter informing me of the closure of my USA A Limitless card said that it was closed due to " unacceptable behavior or activity, '' but did not elaborate, nor would the phone rep I spoke to on XXXX XXXX , 2017 when the Limitless card was declined when attempting to make a purchase with it. I am left to conclude that this " unacceptable behavior or activity '' is that I charged too much to the credit card between the date it was opened and the date USAA closed my account since there was no other significant account activity with my other USAA accounts during that period. I am frustrated with this result and hope that USAA will reconsider their decision and reopen my accounts with them. Having been a customer for over a decade I had previously been very satisfied with USAA and am disappointed that they appear to be misleading members in how they 're choosing to promote their new credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55811
Submitted Via: Web
Date Sent: 2017-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-20
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I paid as agreed and they are charging me for a vehicle I was not at fault in an accident they are ruining m y credit score bec ause they know I am coming into some money where they are insured themselves, and their corporate office is taking advantage of my military, and veteran status as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-20
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: Re : USAA Credit Card Number ending XXXX . Dispute Resolution amount {$200.00} I AM REFUSING TO PAY THE AMOUNT. WHAT KIND OF A CREDIT CARD COMPANY AND I DEALING WITH HERE. I NEVER RECEIVED THE GOODS SO WHAT AM I PAYING FOR?. I AM YOUR CUSTOMER AND I CAN NOT GET A HOLD OF THIS MERCHANT SO I KNOW USAA NEVER DID A GOOD FAITH INVESTIGATION. NO TRACKING AND NO DELIVERY OF THE ITEMS AND NOW YOU TELL ME I HAVE TO PAY {$200.00}. NOT IN THIS LIFETIME. NEXT I WILL BE WRITING TO THE CEO AND WILL NEVER PAY FOR GOODS I NEVER RECEIVED. AGAIN SEE BELOW : 1 ) I purchased the Goods from this merchant ( SNEAKERS ). 2 ) The SNEAKERS were never shipped and or received. 3 ) I contacted the XXXX XXXX XXXX XXXX ? XXXX and requested update as far as the delivery or tracking numbe r 4 ) Received no response from Merchant as of this writing. 4 ) Please Refund the {$200.00} for item purchase but not shipped by Merchant.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2017-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX XXXX XXXX {$5600.00}, now {$4600.00} minus {$350.00} payment on XXXX XXXX XXXX I requested an explanation of why the principal reduced, but the corresponding interest charge did not match. Still, no response fro m them.. My last letter to them is attached to this document.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-19
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: USAA Survi vor Relations group for credit card and auto and trailer loans are not reachable. Tried to speak with someone multiple times over past 5 plus business days. Continuous hold. I am attempting to pay off and close my younger brothers credit cards, car and camper loans with USAA. My younger brother passed away and was a military veteran
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A