Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Out of the blue, USAA sent us a bill stated that we were delinquent on a payment. We had a USAA card in the past but no longer have it, I have written two letters to them stating that he do not have the card and can not have used it. They have sent us emails which claim to have the statement for the month the obligation was incurred but no statement was attached, nor was I able to find a statement on their website. They have now reported a liability on our credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been a victim of fraud several times in the last XXXX years due to having to handle financial business over the internet and security breaches. As if being victimized isn't enough of a burden, USAA compounds the issue by mishandling the disputes, taking money they shouldn't then restricting my accounts when I complain so then I can't even access my money. USAA has taken back provisional credits in huge amounts for disputes they didn't even do the investigation and just assumed it wasn't fraud while finding the fraud dispute in my favor for charges related to the same event for the same company then refuses to reinvestigate the case. Meanwhile they restrict my account and debit cards stating fraudulent activity so I can't even access or transfer my money out of my account, pay bills, or even use my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28390
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX received a letter stating that my account was being closed due having an overdrawn amount for an extended amount of time. Also in that letter stating, " Now that the account is closed, you may not reopen it. All services tied to it will also be closed or canceled. This could include your debit card, funds transfers, bill payments and overdraft protection. If this account is used to protect another account from overdrafts, be sure to set up a new account for protection. Outstanding checks and other transactions that come in after the account is closed will generally be returned unpaid. We may reopen the account to accept a debit or credit and will notify you if we are required to reopen your account to accept such a transaction. '' ( My account was overdrawn due to fraudulent activity on my account which I am still disputing with the bank. I filed an appeal and called in several times seeking information on how the bank came to their decision against my dispute ) I received a refund deposit into that checking account on XX/XX/XXXX for {$780.00} which the bank did not send to me. On XX/XX/XXXX and XX/XX/XXXX I received two more deposits which went to my closed account which the bank refused to send to me, instead they reopened that account and deposited them into the checking account to cover the fees on the account. I did not authorize the bank to do this, instead I requested the deposits to be sent to me. Seeing the fact that I had fraud on my account which caused it to be overdrawn with fees and closed I don't believe that I should have to endure losing money while the fraud is still in dispute. If the bank account is closed and there is a balance owing, and just like any other creditor, I should be able to control where my money goes. The funds that I have lost thru these deposits has made a signifiant impact on my life. I am on SSXXXXI as my main source of income. I do not have job or regular source of income. At the time of this happening I was on unemployment. The deposit that came in were to help pay for my basic needs to survive. Recently a bank representative reached out to me with the title of Bank Advisor stating they work close with the CEO 's office and they were going to look into my account. It's been almost a year since this account has been closed and there is no reason that any of this should be happening. I intend to reach out to the FBI to provide them with the proof the bank was unwilling to take from me showing communication I had with the person whom scammed my account and any other agency I can in the hope that I will no longer be negatively affected by this seeing that I was the target of a scam and was victimized.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is a followup to the response sent by USAA regarding a complaint filed on XX/XX/XXXX. USAA closed an account for the detection of business transactions on a personal account, and while it is not humanly possible to disprove a negative please follow the following logic : This is a personal account that has received XXXX XXXX and XXXX payments and subsequently a XXXX XXXX XXXX payment from the same party. The final dissolution of marriage agreement from XXXX of 2019 specifically designates equestrian expenses for two XXXX children as an upward deviation in the amount of {$5000.00} per month. This is a clear and specific court recorded use of personal funds from a personal account. The life insurance policy was a payment covering the alimony and the child support. It would follow that these are personal expenses for the minor children, pertaining to properties, activities, and expenses of a personal nature. USAA additionally insured the personally owned truck and XXXX horse trailers. While we do maintain a business account with the appropriate XXXXIN number for training and sales of XXXX all expenses relate to the personal farm, vehicles, and horses related to and belonging to the XXXX minor children and former spouse designated in the dissolution of marriage, and the alimony protected by life insurance. USAA gave no opportunity to address these issues, and never communicated at any point in their investigation what transactions they were claiming to be business expenses, hence the new complaint. Prior to the CFPB sending notice that USAA had responded to the complaint, there was no opportunity to answer any of the allegations. I would be happy to provide a copy of the dissolution of marriage and the line item regarding personal expenses for two XXXX, and proof of personal ownership of said horses, assets, and farms. As stated in the original complaint, he closed account was also the account that received the children 's Social Security Survivors Benefits, and the account that pays the mortgage and insurance on the farm that is currently in probate, personal processes that caused extreme duress and trauma to put into place, compounded by having to navigate those processes again. Most of the accounts have been moved to another bank, on principle USAA should reimburse the fees involved, and rectify problems with credit reporting issues that will no doubt arise from this closure.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have called numerous times to USAA regarding a check that was mailed out to me specifically... It was processed, approved, and cashed into an account that was NOT UNDER MY NAME. I have called multiple times per month, with no action taken whatsoever by the approving bank. This was a check regarding student college refunds for the amount of {$3100.00} and deposited on XX/XX/XXXX, again, to an account that was NOT MINE. I was not contacted by the check issuer, nor by USAA that this check was deposited. I was not aware of this check 's existence until XXXX of XXXX and have tried with the original issuer ( XXXX XXXX ), the school ( XXXX XXXX ), and USAA to get this resolved but I believe USAA is to be held responsible for the approval of a check into the incorrect bank account with researching beforehand. I was told I would be reached out from USAA regarding this issue. I have contacted USAA on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all of XXXX. Consistently asking for approval reason into the incorrect bank with no answer. USAA Has said no contact was attempted to reach me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: My complaint is about USAA Insurance Co. I have my renters insurance, XXXX autos, and personal valuable insurance with USAA. My payment of {$300.00} is due each month on the XXXX. I mailed my XXXX payment on XX/XX/XXXX ; the check cleared my bank on XXXX, the same day they canceled my insurance. I called and asked why they canceled my insurance when it was only 19 days late ( 19 days from the due date till clearing the bank ; they received it before then ). I was told the company was following " regulations. '' I looked up the state of Texas regulations on insurance companies, and the state requires a 30 grace period be provided. After talking for over an hour, they reinstated my insurance. It is obvious that USAA is canceling policies as a threat or harassment to customers. I am XXXX on XXXX and a XXXX. I asked them to move my payment date, and they agreed but would charge a fee of {$71.00} to move the due date 15 days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I called and spoke to customer service three times, and also talked to their next/final level. The card advertised 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks. I also asked to speak to a supervisor, I was told their supervisors only do trainings and do not speak to customers ever. Their system is flawed as well as their paperwork. When I received and activated the card on XX/XX/XXXX the introductory rate was not on website, instead it stated 21.90 % When I looked at the back of the customer agreement it stated " 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks that post to your account by XXXX. '' There was no date given. According to customer service after researching ( on phone for an hour ) I had to do the transfer prior to XX/XX/XXXX. However, I did not receive the card by mail until XXXX. They also said I could not transfer till I had the card in my possession. It took over XXXX weeks for me to receive after I applied. Their advertising prior to receiving the card and the written USAA Credit Card promotion and agreement when I received the card is very misleading. The paperwork I received has " by XXXX '' which is not a date. But over the phone their customer service insisted the promotion is not connected to my card. The company will not allow me to speak to a supervisor nor honor their promotion for a balance transfer/purchases until XX/XX/2024. They stated this is their policy and despite having paperwork that clearly shows no date they claim there is nothing they can do to activate the promotion.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 34683
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
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: We reported fraudulent activity on our account, they provided credit at first. Then the said that the charges were valid ( showing us no proof of validation ) and put the charges back on our account and closed our credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Have previously tried to resolve issue with USAA, to no avail. I am still being charged for closed accounts. Information is conflicting and inaccurate, I have two closed accounts that have conflicting dates and amounts. I have read USAA 's response, which further confuses me when looking at my credit report. None of the information coincides with the Credit reporting agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company is trying to collect for the insurance company USAA. I sold a vehicle and 6 months later the new owner was involved in a XXXX XXXX XXXX XXXX XXXX shows the date of sale with the new owner 's name and address. Apparently he was uninsured so they are trying to get {$10000.00} from me. I previously settled this matter with USAA and they called off the previous collection agency because I proved I no longer owned the vehicle at the time of the incident. Nor was I the driver of the vehicle. How do I stop this endless cycle of USAA trying to collect a debt I don't have anything to do with? The current collection agency is XXXX XXXX XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A