Date Received: 2016-06-01
Issue: Cash advance
Subissue:
Consumer Complaint: XX/XX/2015 I took out a {$2000.00} cash advance from USAA. I was told over the phone that once I pay off the {$2000.00} cash advance, that I 'd no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( {$2000.00} in this case ), the interest accrual will cease. I advised the representative that I 've paid off more than {$2000.00} worth of payments since the cash advance was requested XX/XX/2015 and wondered why I was still being charged interest if what he said was true. He then came back and advised that " after doing research '' it was discovered that interest on cash advances will only cease once the credit card statement balance is paid in full. The issue is that I 've had a balance on my credit card for years and USAA knew that when I requested the advance and failed to disclose that over the phone. I feel cheated. This is obviously a UDAAP violation ( unfair deceptive act and practices ). Now I 'll be paying interest on the cash advance for years. To top it off, I requested the cash advance papers I signed to confirm the small print that they disclosed this and the representative advised to look for it on USAA.com ( but failed to provide an exact path to locate the documents ). I feel cheated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2016-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-27
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: Received collection letter to the estate of deceased parent. I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2016-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-27
Issue: Billing disputes
Subissue:
Consumer Complaint: I have a Mastercard with USAA. USAA failed to send me any notice whatsoever that my payment was past due and immediately turned it in to all XXXX credit bureaus damaging my credit and by doing so violated the FDCPA. USAA refuses to remove the reports it illegally made to my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37934
Submitted Via: Web
Date Sent: 2016-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-27
Issue: Billing disputes
Subissue:
Consumer Complaint: I disputed a transaction on my USAA Master Card and they took charges off. They Merchant responded and they reissued him the monies even though I have resubmitted more evidnce showing substandard work and misleading representation to Emissions they will not take the monies off because they do n't have a letter from a third party even thought they have the problem on the receipt. They are letting XXXX XXXX XXXX get away with fraudulent business practices at my expense.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2016-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-25
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I HAD A ACCOUNT WITH USAA MY ACCOUNT WAS COMPROMISED BY A 3 RD PARTY XXXX. I WAS TRYING TO GET A LOAN WITH THEM. I HAD TO GIVE THEM MY INFORMATION TO VERIFY MY ACCOUNT, THEY PUT IN XXXX DOLLARS IN MY ACCOUNT AND USAA PUT THAT MONEY ON HOLD. WHEN I CONTACTED THE FRAUD DEPARTMENT THEY REMOVED ME FROM SEEING ACCOUNT SO THEY CAN FIX IT AND CORRECT NOW THEY GIVE THAT MONEY THAT WAS ON HOLD BACK TO XXXX XXXX AND CHARGE OFF MY ACCOUNT XXXX DOLLARS. THAT MONEY ON HOLD SHOULD HAVE CLEARS UP ACCOUNT TO XXXX BALANCE. PLEASE MAKE THEM DO THERE JOB AND CLEAR THIS ACCOUNT UP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-24
Issue: Credit determination
Subissue:
Consumer Complaint: This is a very very serious situation with USAA SAVINGS BANK and their credit card department and insurance department and bank department. Due to their horrible credit card department and every department USAA illegally put our credit card in collections. This situation can be proved in court of law and we will not rest until USAA takes care of this. This is the most unprofessional, thieving company that disrespects it clientele and does n't care if people are dieing, homeless, careers ruined or what not from their illegal and highly irrational behavior. In 2012 myself and my co-signer illustrated we were idenity theft through our banking account and lost over {$35000.00}. A person was arrested and we filled out police report. Usaa then shut our accounts down banking and held on to our money for over a month without reason why. This caused a huge rift in our fiances, then we noticed our USAA CREDIT CARD had tons of suspicious activity similiar to banking accounts, well USAA instead of helping us when we asked, they decided to just put our credit card in collections illegally when we were paying more than balance owed on it and I never had missed a payment in over XXXX years. Usaa exhibits this illegal and highly ruthless behavior and when asked to fix it they give the public a blanket statement WE LOOKED INTO AND FOUND NOTHING WRONG. That is it, well there is something wrong. We had FEDERAL TRADE COMMISSION, ATTORNEY GENERAL OFFICE and many other government agencies federal and state. USAA needs to not only be highly investigated and class action lawsuits started but every customer needs be aware. I been with them for 20 years and I lost my whole life and my partner is XXXX cause of their illegal behavior and this needs to be taking all way to to congress if not fixed. I will keep this on this site and go to every agency if not fixed properly. And I understand you have to give them 45 days, I will personally feel I need see a fix in 15 days. I never seen a company behave so illegally and get away with so much.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-25
Issue: Closing/Cancelling account
Subissue:
Consumer Complaint: I applied for and was issued a credit card from USAA. I attempted to login to my online account and was unable to do so. I contacted USAA by phone and was informed that my account had been canceled. I was given no reason as to why it was canceled. I also received a letter from XXXX stating that they were adding a " Fraudulent Application '' note to my credit report that was instigated by USAA. I disputed the Fraudulent Application note and, after investigating the Fraudulent Application claim, it was unfounded and removed from my credit report. Legally, I should have been notified in writing within 60 days of USAA canceling my account with the reason for the account cancellation, I never received such notice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-22
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: I take no pleasure in having to file a second complaint ( for an issue I thought USAA was handling, albeit very slowly, but has not been willing to resolve in over 3 months ). I have been a USAA customer for over XXXX years with an excellent payment history on credit and no insurance claims history. I have an XXXX credit score. Prior to this my Dad, a retired XXXX XXXX XXXX had been USAA 's loyal customer for XXXX years with nothing but wonderful things to say about his insurance company as well as banking, investment and credit card accounts. At this point I can not say the same. Customer service had always been one of USAA 's strong points - it certainly did not offer the lowest insurance rates, but customer service was excellent for many, many years. It is not now On XXXX/XXXX/16 while I was on vacation in XXXX XXXX USAA alerted me via e-mail that there was fraudulent activity on my XXXX. I responded via e-mail the same day that it was indeed true - the only legitimate charge I made on XXXX/XXXX/16 was to XXXX XXXX XXXX, a restaurant in XXXX XXXX, for lunch in the amount of {$18.00}. I asked that my account be closed immediately. It was not done until I " accepted '' a new credit card on XXXX/XXXX/16. I had no way to verify if a card would arrive at my home address and did not want a new credit card sitting in the mail until I returned home. I destroyed the card that had been compromised. I kept that credit card in my possession and eyesight at all times except when it was locked in our hotel safe. After many written requests to USAA ( at least XXXX ) for a complete transaction list of ALL transactions posted to the account on XXXX/XXXX/16, I finally received a list from USAA which documented over XXXX transactions posting to the account within 5 minutes. Approximately half of these transactions USAA declined on XXXX/XXXX/16. But, for whatever reason, USAA chose to pay some that were still posting on its website as " pending, '' leaving me with the time consuming task of trying defend myself against USAA 's boilerplate, insincere " we value your business, '' and horrible customer service. It took me 6 letters just to get USAA 's fraud and recovery department to list the proper vendors and $ amounts on an affidavit. An additional affidavit was sent referring to " fraudulent merchants. '' I fully realized then that if this is the " analyst '' who is investigating the unauthorized/fraudulent activity I had another problem. My previous complaint with CFPB was a result of : ( 1 ) USAA not placing a PIN on the card as I had requested prior to leaving for XXXX XXXX ; ( 2 ) Wanting to know what personal information was stored on the card and not getting an answer ; and ( 3 ) Not posting credits to the account in a timely manner after USAA was notified on XXXX/XXXX/16 that any charge other than XXXX XXXX XXXX for {$18.00} were unauthorized and fraudulent. USAA chose to classify XXXX XXXX charges as disputes - as in its customer had her hair cut, got home, looked in the mirror, did n't like the results and now wants her money back. There were a total of XXXX charges from this XXXX merchant in XXXX ( I believe XXXX is a payment processor like XXXX is here ). I notified USAA beginning on XXXX/XXXX/16 that all XXXX transactions poste from this vendor was unauthorized/fraudulent charges. I signed affidavits to that effect twice. I now have correspondence from USAA on XXXX/XXXX/16 that XXXX of the charges for XXXX {$30.00} have been made permanent. However, an e-mail was sent on XXXX/XXXX/16 from USAA 's Fraud Analysis & Recovery that XXXX has provided documentation to support its position that I authorized XXXX of the XXXX {$120.00} charges. NO SUCH DOCUMENTATION WAS EITHER ATTACHED WITH THE E-MAIL NOR WAS IT POSTED ON USAA 'S WEBSITE. I have notified USAA on the link it provided with its XXXX/XXXX/16 e-mail and on its website
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85375
Submitted Via: Web
Date Sent: 2016-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-22
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I have a joint youth checking account with my son. He was a victim of a scam. He was approached via XXXX by someone asking if he would like to make money. He sent them his debit card. The scammers then deposited a counterfeit check into his account and went on a shopping spree. The bank now states that we owe them $ XXXX. I do not feel that we should be held liable for the amount owed because we were victims of the scam. At no time during the history of the account has a deposit that larger ever been made, as well it was common for the bank to hold his actual deposits before releasing funds. I believe the bank should have noticed the large deposit and at the very least verified the check before releasing the funds. The counterfeit check was drawn on an account from the same bank. It was deposited in a state that has never bee associated with the account and all the charges were made in a state where the account had never been used. I also have an account with this bank and they have called me before when I was traveling to verify transactions. Why this was not done I can not say. My son is young and fell for a scam. He has learned his lesson but should not be held liable for the criminal activity of others. I have included the last XXXX bank statements showing that this activity is completely out of the ordinary for this account. This account has never had a returned item, or a deposit over {$500.00}. The activity should have drawn a red flag as soon as the deposit was made. The fraudulent deposit was drawn on another customer from the same bank in the amount of $ XXXX. I would think the bank would not only verify the check with these customers, but also verify the deposit with us before releasing funds. The loss is a result of the bank not having the proper security measures in place and or active. It is not a result of our negligence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46131
Submitted Via: Web
Date Sent: 2016-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-21
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: There are communication between myself and bank but they put as all my fault, I am veteran working away from home most of my times, so I told USAA to take out {$250.00} bi weekly for my car payment, well after XXXX payments they stop and I did n't realized they stop, after 60 days they repo my vehicles and told me I fail to make my car payments, my car payment was {$350.00} a month buy but I been paid them {$500.00}, after I relized they repo my car I called them and ask them why they not notified me they reply that I did not answer my phone! Well they lie to me becauce I did not received any call from them or letter mail? I ask them what number did they call? They said that they do n't have number anymore and other thing is they told me my XXXX bank account is closed, well again they lie, my account with XXXX still active. I ask my bank did USAA try to take any money out? They say NO ... .so I talks to USAA they now say that they only take out XXXX payments, I have to sign some kind of documents for them to take money for car payments??? They been taking {$250.00} out fine? Why they stop and blame on me not make my car payments??? Now I told them it a communication issue between myself and them, they not buying it ... And now they say too late to get my car back! It on auction???? Please help me on this issue! Thanks ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2016-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes