Date Received: 2016-08-11
Issue: Billing disputes
Subissue:
Consumer Complaint: XXXX XXXX 2016 Statement from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Dear XXXX, I am writing this statement as a charge of inappropriate conduct by my Credit Card company. The company 's name is USAA. It is based in XXXX XXXX. My USAA member number is XXXX. The credit card associated with that membership is a XXXX XXXX ending in XXXX. In XXXX 2016 I began working for a company based in New York after they reviewed my resume, interviewed me, and I attended a XXXXmonth online training program. The company 's name is XXXX XXXX XXXX XXXX. I was to work for the purchasing department while waiting to attend site-specific training in the New York office. The company gave me purchase orders that I was to fulfill once I had received funds in my account from their bank - XXXX. I called USAA to establish the bank and accounts that could deposit money into my credit card. I told the USAA operator that I did not want this to be a two-way set up, deposit only. The operator assured me that would be the case and that I should establish the connection through the website rather than over the telephone. I went online to the USAA site, logged in, and added the company 's bank information for deposit to my credit card. At the time, my XXXX had a limit of {$12000.00} and approximately {$11000.00} balance giving only {$1000.00} of available credit. I would not have been able to purchase any purchase orders if money did n't arrive into the card. I used the bank account information provided by XXXX XXXX and deposited the authorized amount into my credit card as a payment. Once the payment cleared, I received email notification from USAA that they received the credit card payment and posted it to my account. My available balance subsequently dropped by amount that was deposited and I then made the purchase, per the purchase order. This happened 3 times over a period of a few weeks in XXXX. Each time, USAA sent me a confirmation email that they received the credit card payment and posted it to my account. My available balance dropped each time. In late XXXX, I became amazed and distraught to find out that somehow the charges were all added to my account and that I was overdue for the XXXX purchases - approximately {$20000.00}. I immediately called USAA and explained the situation to them, seeking how to resolve the issue. They were of no assistance. I called the local police and reported the issue. They told me that because I was in XXXX and the company was in XXXX, they would not be able to take action. They recommended I talk to the fraud department at USAA and said they would better be able to resolve the issue. When the police told me they would not be able to take action, I immediately reported the situation online to the appropriate government agencies I could find online. I then called the USAA fraud department and XXXX separate people assured me that the issue was resolved and I would not be liable. This happened approximately the first of XXXX. Because they assured me the issue was resolved, the account closed, and I would be issued a new account, I breathed relief and continued to a new and different job. Toward the end of XXXX, I was informed that a USAA bill arrived at my house for {$60000.00}. I again called USAA and XXXX more representatives from the fraud department assured me that the issue was resolved and I had nothing to worry about. In the first week of XXXX USAA told me they would not take away the debt. During the entire process working with XXXX XXXX XXXX XXXX and with USAA I acted uprightly, trustworthily, and in good faith. I am a retired XXXX XXXX and a XXXX. I have undergone numerous background investigations due to positions of trust. My ethics and conduct were completely appropriate in this entire situ
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: XXXX XXXX XXXX # XXXX Originator XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX USAA ID # XXXX Complaint 1 1 ) USAA XXXX XXXX XXXX XXXX number XXXX purposely and willfully deceived me by committing to a 30 Year Fixed mortgage on my property located at XXXX XXXX XXXX XXXX CT XXXX then recanting her decision by having XXXX XXXX XXXX XXXX state on XXXX XXXX 2016 & quot ; Due to rental losses we are not able to secure an approval & quot ; Fearing total incompetence on USAA & # XXXX ; XXXX part I asked for an email outlining what stipulations were required for a " clear to close '' or final approval. In an Email Dated XXXX XXXX, 2016, @ XXXX pm XXXX XXXX XXXX XXXX number XXXX committed to this mortgage from her business email address by stating the e-mail below contains the stipulations required to obtain cleared to close on your refinance application. 1. Final Inspection of XXXX XXXX XXXX XXXX -- I have spoken with the appraiser and requested the final inspection be completed and provided back to USAA directly for review. The appraiser will be contacting you directly to set up a time and confirm all repairs are complete. 2. You have advised that the necessary assets for your closing costs will be in your USAA account by XXXX/XXXX/16 from your employer. Once this is complete we will pull new bank statements. Please take note if there are any large deposits that are non-payroll related we may need to source their origin. 3. Please provide the termite inspection for the property upon completion. Please ensure to provide all pages including the invoice and if the inspection indicates that treatment or repairs are needed that will need to be addressed prior to final loan approval. 4. USAA has ordered the payoff statements for the XXXX liens that will be paid off, XXXX XXXX has advised their turnaround time on delivery is 5 business days. 5. I will be contacting XXXX County Tax assessor to confirm that the taxes have been paid in full, when I spoke with their representative today they stated they were still marked as unpaid in their system but they were aware that they are 'bank paid ' and they should be received and system updated by Monday. This email was also sent to the business email of supervisory staff XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Identifier # XXXX and XXXX XXXX # XXXX. Thru their negligence and refusal to correct XXXX XXXX & # XXXX ; XXXX statement they endorsed her statement. All these stipulations were completed by XXXX XXXX 2016 and as promised should have given a clear to close. Complaint # 2 I was willfully deceived by XXXX XXXX XXXX # XXXX. In a verbal conversation XXXX . XXXX stated tax returns were not needed in this refinance. The loan closing was delayed then denied for in part information on the tax returns. The decision to device me during the application process prevented me from seeking other options including FHA, or XXXX XXXX refinancing. After applying for the loan, offering my intent to proceed, and having a processor assigned I attempted to submit my tax returns. The original loan processor assigned by USAA XXXX XXXX XXXX he started a conversation on or about XXXX XXXX, 2016, I stated this deal is " stalling and that no one is working on it '', XXXX asked why I felt that way and I informed him that USAA has not requested the proof of income, his reply was " USAA uses a streamlined process and tax returns are not needed ''. Although hesitant to accept this answer I did because USAA had a signed IRS form XXXX. I had brought this up throughout the process. Complaint # 3 USAA, through negligence did not advance the loan application until being forced I attempted to make contact with XXXX XXXX XXXX several times and received no callb
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2016-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-09
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On Thursday XXXX XXXX, 2016, I deposited XXXX into my new checking account and it was immediately placed on hold. I called in XXXX XXXX and they told me the account was put under review. I have rent to pay, car insurance and so many other bills that have racked up in late fees. Its been 2 weeks now and my account is forever under review. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and every day I call in a new review has been put on the account. Then when I call in they say the check has been approved but yet the account is in credit only status.Its a payroll check and I need for them to let it go. It 's ridiculous how much of a bind they put me in. I want compensation for late payments that they have put on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Do you know how many years and times we tried to get USAA to do the legal thing. XXXX Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only main USER and XXXX XXXX was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. USAA wo n't remove him and they illegally put him on their out of spite. This I find gross neglect and highly illegal. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.
Company Response: Company believes the complaint is the result of a misunderstanding
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-09
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I call my current auto loan company, USAA, and inquired about an auto loan since my current rate, 4.85 % was rather high. I spoke to representative and she indicated that I was pre approved for 1.4 % rate. My application number with USAA XXXX. I applied with the understanding my rate would be 1.4 % without any other rate or condition as conveyed by the representative. She did not outline any conditions or requirements for this application. Her name was XXXX. The representative then told me my rate would be 4.85 % not 1.4 %. She did not know why the rate changed. After she checked she indicated that the rate changed because I am using a used car not a new car for collateral. I asked to speak to a supervisor and after being disconnected and waiting for 50 minutes, I spoke to XXXX on the ERT team. XXXX explained to me a litany of information that was not conveyed by the sales representative including the rate was variable and is different for new and used cars. I requested that my application be terminated and the credit inquiry removed my credit history. XXXX indicated that she did not believe this could happen. How can a company fail to disclosed all of the required application information and not have the processes to correct the issue. If a loan company has the ability to check my credit they should also be required to remove the check if the company fails to perform all of the legally required disclosures.
Company Response: Company believes complaint is the result of an isolated error
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-08
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: USAA classifies debits as " XXXX '' so that they can break the law and charge their members NSF fees. This has happened to me on three separate occasions. Also, USAA allowed me to make a transfer from a balance that USAA had mistakenly informed me I had, then, charged me an NSF fee for this transfer. I have asked USAA several time to deauthorize an automatic debit, they maintain that they will not do that without me paying a fee which I obviously do not have so they keep allowing the automatic debit and they charge me {$25.00} a pop everytime they do so. USAA has accumulated nearly {$500.00} of fees from my account by refusing to deauthorize the recurring debit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2016-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-05
Issue: Credit card protection / Debt protection
Subissue:
Consumer Complaint: I 'm currently going thru a divorce and no longer living in my home. My husband contacted XXXX where we have a joint credit card. He said the card is lost/stolen and requested a new card in my name be sent to the marital home. I reported this to XXXX and said that I can not gain repossession of the card in my name and want it canceled it immediately or to have them contact my husband to have him cancel the card. Also asked for them to reissue a new card directly to me. They refused and are keeping an inactivated / open line of credit on my name, when I want it closed and do not want the information on the magnetic strip compromised, or to have the card activated post divorce and have any surprises.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2016-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-04
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: On XXXX XXXX, 2016 XXXX XXXX XXXX, Executor of the XXXX County Florida Estate of XXXX XXXX deposited {$40000.00} into USAA checking account # XXXX from the account of the Estate of XXXX XXXX at XXXX XXXX XXXX. The purpose of the deposit was to use most of the funds to pay me for my 14 months of consulting services, expenses, travel and loans to XXXX XXXX at his pleading in successful pursuit of his claim as beneficiary of the contested handwritten Will written just prior to XXXX XXXX XXXX. The deposit was made via photo image in telephone consultations with a USAA representative. XXXX XXXX authorized direct payment of my credit cards totalling {$26000.00}, Additionally he issued USAA check # XXXX dated XXXX XXXX, 2016 for {$9600.00} for a combined total of {$36000.00}. Credit Card payments : XXXX : {$990.00} paid XXXX/XXXX/16 XXXX XXXX : {$1400.00} paid XXXX/XXXX/16 conf code XXXX XXXX : {$8800.00} paid XXXX/XXXX/16 trans XXXX XXXX : {$3600.00} paid XXXX/XXXX/16 XXXX : {$4500.00} paid XXXX/XXXX/16 XXXX : {$3300.00} paid XXXX/XXXX/16 XXXX : {$1800.00} paid XXXX/XXXX/16 XXXX XXXX : {$1600.00} paid XXXX/XXXX/16 On XXXX/XXXX/16 all credit card payments were rescinded by USAA without notice to me. Dishonoring an item properly payable is a violation of XXXX also bringing responsibility for consequential damages proximately caused The check was deposited at XXXX XXXX on XXXX/XXXX/16. It was returned as " unauthorized '' on XXXX/XXXX/16. XXXX XXXX will not return my calls. My demand letter to USAA 's legal department resulted in a call from a representative named XXXX XXXX @ ( XXXX ) XXXX. On XXXX/XXXX/16 she informed me that XXXX XXXX claims the payments were not authorized. That closed the matter for USAA without further details due to legal privacy considerations. Clearly the payments were authorized or USAA would not have paid them initially. XXXX XXXX changed his mind 3-4 weeks after final payments were made under his authorization. If USAA investigated in any meaningful way it did not include contacting me to hear my side of the story before taking such a drastic and harmful step. Regarding the stop on the check I do not believe it was in compliance with UCC 6A4-403 or confirmed in writing within 14 calendar days as required. This is not only a breach of the contract represented by the signed check but a criminal offense of obtaining money/services under false pretenses. My remedy is reinstatement of the credit card payments, payment of the check, payment of proximately caused interest, late fees, emotional distress and damage to my credit rating.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: RI
Zip: 02907
Submitted Via: Web
Date Sent: 2016-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-02
Issue: APR or interest rate
Subissue:
Consumer Complaint: I opened a credit card with USAA with a promotional offer for 0 % introductory APR for the first 12 months. I noticed after a few months of having the card that I was being charged interest on the account. I called USAA on XXXX/XXXX/16 and spoke with a representative that confirmed that I should have had the promotional APR but it looks like it never took hold. The representative stated that she would reach out to the back office and then have them contact me back to get the matter resolved. I never received a call back so I called again on XXXX/XXXX/16 and spoke with another representative. The new representative informed me that I did not have a 0 % introductory APR and stated that would escalate the call for further review. I am receiving conflicting information regarding what my promotional offer was. I never received any documentation regarding the promotional offer and this material was also unavailable to me when I looked online. I deem this to be an unfair deceptive act and practice. I recall signing up for the 0 % introductory APR for 12 months and this was confirmed by a USAA representative and now I am being told something different. My credit reporting has been negatively affected for providing incorrect balance information due to the interest that has accumulated on the card. In addition, this has caused a financial burden by having to pay on interest that was not supposed to be accrued during the first 12 months.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No