Date Received: 2017-03-08
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have been diligently trying to close out and reopen an account that has been compromised several times first by Debit Card now by ACH. I opened an ACH claim sometime ago and the fraud issue was resolved. I was told the account was to be closed but that never happened. After trying to open a new account I was told that because of the excessive overdraft ( which was caused by fraud ) I was not able to open a new account but I could keep the compromised account open. Since then my account has yet again been compromised. I spoke with someone in the CEOs office today whom was supposed to handle the issue however she continued to push blame and offered no resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-08
Issue: Application processing delay
Subissue:
Consumer Complaint: I received a low APR credit card balance transfer offer from XXXX. On XX/XX/2017 I initiated a balance transfer from a USAA credit card to a XXXX credit card in the amount of {$3000.00}. I was told that transfers could take from 10-14 business days. {$3000.00} was debited to my XXXX credit card on XX/XX/2017. USAA did not credit my credit card until XX/XX/2017. On XX/XX/2017, I initiated a second balance transfer from the same USAA credit card to the same XXXX credit card in the same amount of {$3000.00}. On XX/XX/2017, I received correspondence from XXXX advising that they were unble to process my transfer request because " XXXX XXXX XXXX ''. I contacted XXXX XXXX : what additional information was needed and XXXX advised me that USAA had denied my second request because USAA " thought it was a duplicate ''. USAA never contacted me to inquire or advise me of their denial. I contacted USAA and got a run around explanation. On XX/XX/2017 I re-initiated my XX/XX/2017 {$3000.00} balance transfer request from USAA to XXXX. USAA credited this second request on XX/XX/2017. On XX/XX/2017 I initiated a third balance transfer request in the amount of {$1000.00} from the same USAA credit card to the same XXXX credit card. As of today, XX/XX/2017, I see no posting that USAA has credited my account for the {$1000.00} transfer. Since USAA has a state of the art reputation for electronic transactions, I questioned XXXX why there was such a delay between their almost instant debiting of my balance transfer and USAA 's prolonged crediting of the transfer. I was told that USAA required a paper check for payment - they would not execute an electronic funds transaction for balance transfers. Since both XXXX and USAA are known for the their worldwide and frequently on-the-move membership community, online and electronic banking are strong points for both. If in fact, USAA requires a paper check for balance transfer transactions, it means that I am paying overlapping interest rates - one immediately to XXXX when it debits my account as a balance transfer is treated as an Advance and another to USAA during the delay in their posting a credit to my account. USAA has never delayed any of my other electronic payments - they are posted almost immediately. It is my belief that USAA is requiring paper checks in order to delay their credit postings in order to collect additional interest income monies. I am especially concerned that USAA took it upon themselves to deny a balance transfer payment " assuming ... '' that it was a duplicate without making any effort to contact me, their long time member, to verify my transaction intentions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Transaction issue
Subissue:
Consumer Complaint: I was contacted by Alpha Tech on XX/XX/2016.I received a lot of phone calls concerning search engines, key words, algorythms I ended up signing up with them, I paid them {$3500.00} plus {$75.00} per month on my USAA Mastercard , I would like to dispute those charges made by XXXX last year on XX/XX/2016. They promised me a web page, on 1st page in 30 to 45 days all I received was a lot of phone calls from different representatives offering more services and asking for more fees stating in order that my business be successful I needed a new service. Needless to say my website never moved up and I never had a customer inquiry. They have n't done anything that they promised they would and if I had any question I could never get in touch with anyone but they would always call me to ask for more money for sure. I would like to get my full refund from TSE. And I would like to start a dispute on these charges please. They prey on the elderly offering services that you do n't need, they overcharged ( price gauge ) and you lied making promises that you could not fulfill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WY
Zip: 829XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I was quoted an APR of 3.44 % for an auto loan on a vehicle that is between 2 an 7 years old on XXXX XXXX 2017.. The quote was given to me over the phone on a recorded line. When I called to complete the loan I was told that the APR had changed to 4.11 %. I was told on the XXXX XXXX call that the APR was good for 45 days. I was transferred to a supervisor XXXX employee number XXXX. XXXX was asked to review the call from XXXX XXXX and meet the quote that was given. XXXX stated that all calls are not recorded which is not true. Calls that give APR are required to be recorded. After being disconnected several times I reached XXXX who states she was the assistant to the CEO. XXXX took my complaint and stated that the bank would be calling me by the close of business.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: I 'm trying to get an issue resolved with my XXXX XXXX credit card. In XX/XX/2016, I notified my bank, XXXX XXXX XXXX, about XXXX unauthorized charges. They were back-to-back charges for {$1000.00} and {$1000.00} labeled " Diamond Ring '' dated XX/XX/2016. It is now XX/XX/XXXX and my case is still not resolved. I have spoken to several XXXX customer service and fraud agents about my fraud case and I keep getting the run around. I was even promised that I would receive a call from a manager within 48 hours and that has not occurred. No one seems to know or understand what 's going on with my XXXX account and the unauthorized charges. However, my credit score is suffering and I 'm still expected to make monthly payments. I 'm attaching all my monthly statements leading up to XX/XX/XXXX in this complaint.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Billing disputes
Subissue:
Consumer Complaint: USAA has deliberately reported inaccurate information to the credit bureaus under my name. They refuse to follow their own policy, a policy they drafted, which i had no say in, otherwise known as a " contract of Adhesion '' USAA has allowed a charge from XXXX applied to my card which I never authorized and have no idea how XXXX obtained the information. Around XX/XX/XXXX I report my card lost/stolen USAA closed the account and issued me a new card with a new account number. VERY IMPORTANT : once I received my new card, I placed it into my safe and never used it. However, strangely a charge from XXXX for {$510.00} appeared. I immediately contacted USAA, they informed me this was a recurring charge which USAA took upon themselves to allow XXXX to charge me. They did this without my permission or authorization. I have had numerous conversations with USAA since. They have refused to remove the charge from my balance and reported the balance with this DISPUTED charge too the credit bureaus 2 months in a row now.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: After 20 years with USAA, I am suing this piece of XXXX company for BAD FAITH, BREACH OF CONTRACT AND UNETHICAL BUSINESS PRACTICES. Never late with any payments, never had any claims on any house or vehicle in 20 years. Directed USAA to place my secondary car into " storage status '' in XX/XX/XXXX as it was replaced by my primary car. This conversation was recorded by USAA. USAA continued to bill my auto policy at FULL COVERAGE for over 5 years until it was sold in XX/XX/XXXX. I asked for a refund due to USAA 's negligence to place the car into " storage status ''. They refuse. After making no changes to my policy for years, I spoke with an agent in XX/XX/XXXX to drop a driver from my policy. During that recorded phone conversation, the agent persuaded me to drop the comp/collision of my son 's car and to either drop or reduce the comp/collision on my primary vehicle. I reluctantly complied due to the persistence of the agent, raising my deductible from {$500.00} to {$1000.00}. Two weeks after being persuaded to make this change, my car was vandalized, causing nearly {$2500.00} worth of damage. I immediately provided the Sheriff 's report to USAA. The assigned agent directed me to either take the car to USAA 's preferred repair providers or to choose a repair shop closer to my home. The shops that USAA recommended have horrendous reviews, so I obtained four estimates from shops that have excellent ratings and reviews. After repeatedly calling my assigned agent without being able to reach him and without any contact from USAA, I finally asked for a supervisor. The supervisor stated my claim had been closed. The claim was reopened and the supervisor stated that I could not take the car to a shop of my choosing, contradicting what the agent directed me to do. Due to USAA 's agent persuading me to change the comp/collision deductible two weeks prior to it being vandalized, I requested that the deductible either be reduced to the original {$500.00} or to waive it completely as the damage was through no fault of my own. USAA refuses to do either. I asked to escalate this issue to the Underwriters to have the deductible waived or reduced. The request was refused. Three days after speaking with supervisor XXXX, I received a notice from USAA that my auto policy rates would be increasing because of the vandalism claim on my vehicle. The horrendous customer " service '', refusal to investigate the overcharges related to my vehicle that should have been on " storage status '', the agent persuading me to change the comp/collision deductible, refusal to honor the original deductible or waive the deductible, and then raising my rates due to this vandalism incident are disgusting examples of how NOT to treat a long time customer.
Company Response: Company can't verify or dispute the facts in the complaint
State: CO
Zip: 80403
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: EX SPOUSE WAS ABLE TO OBTAIN A LOAN IN THE AMOUNT OF XXXX ORIGINALY ASKED FOR XXXX. WAS SPOUSE AT THE TIME OF THIS LOAN. I WAS NOT AWARE OF THIS LOAN. FOUND OUT AFTER WE SEPERATED IN 2014. SHE WAS ABLE TO DO THIS ALL OVER THE COMPUTER. HER AS THE PRIMARY AND ME AS THE CO/ BORROWER. HOW IS A BANK ABLE TO DO THIS WITH OUT PROPER AUTHORIZATION. AND IT WAS DONE USING MY ALIAS. WHICH I NEVER DO ON LEGAL BINDING THINGS THAT REQUIRE AN ID, I DID NOT Authorize, or take out this loan. HOPE YOU CAN HELP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: In the process for applying for a mortgage loan, USAA pre-filled items in the loan disclosure packet that were factually inaccurate and material to the process. After four ( 4 ) requests to update the information, they simply said they would take care of it, but the debt to loan ratio they quoted when denying the mortgage loan means they did not actually update the packet with accurate information. Furthermore, when they called stating that the loan was denied, I asked what information the underwriter used ( because the ratio they quoted was not possible under multiple scenarios ). They refused to respond and simply said that there was an appeals process, but appeals " always get denied anyway. '' Following the call, I logged-in to our USAA account and noticed they had already deleted all application information. I reached out to the loan processors ' management team, who stated they would look into it and get back to me within 1 business day. Two ( 2 ) weeks later, I contacted them again, and a third time a few days later, but have received no response to date. It is clear that USAA 's processes and lack of communication allowed factually inaccurate information to go to the underwriter, and their team did not allow for any further communication.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 16066
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-04
Issue: Credit card protection / Debt protection
Subissue:
Consumer Complaint: I sponsored a credit card for my son, XXXX XXXX over 25 years ago when he was attending college. It has been several years since he paid off any charges and closed his card ; I have not had a credit card with USAA for over 20 years. USAA has reported corrupt information to the credit reporting companies that has resulted in me not being able to verify my identity to other financial institutions. When I attempt to login to XXXX XXXX Bank where I do not have an established pin, I am presented with about five series of questions relating to : residence, mortgage, employment and relatives that I am unable to answer because they are often related to my son 's activities. This situation has become untenable and utterly frustrating to me as I have been repeatedly thwarted with being unable to gain access to my finances and records. Yesterday, I attempted to establish a login with the Social Security Administration and was summarily denied because I could not answer the series of questions, some of which pertained to my son XXXX. I have contacted the XXXX credit reporting agencies and have not been able to clear the situation up. Specifically, XXXX informed me that some of the corrupt information would have to be retained until 2020 unless the originator cleared it up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2017-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No