Date Received: 2015-12-20
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: XXXX this the ongoing dispute, that I been having with my NSF fees, and no one called me sent me a letter nor email during, that time. Now I do n't work for XXXX and I believe I sent my response to them via letter, but they never received it go figure. WITHIN 60 DAYS I GOT RIPPED OFF BETWEEN XXXX TO XXXX DOLLARS I CAN EVEN GO AS FAR AS 90 DAYS EVERY SINCE THIS HONORABLE VETERAN LOST HIS JOB IN NORTH DAKOTA BASED UPON A FAMILY HARDSHIP. MY XXXX COMPLAINT TIRED OF USAA ( profanity used ) ME ON NSF FEES UP TO XXXX DOLLARS IN THE LAST FEW MONTHS THEY KNOW I AI N'T MAKING CLOSE TO XXXX GS A MONTH. NOW THAT I AM ON PENSION AGAIN WAITING ON MY HARDSHIP UNEMPLOYMENT ITS BEEN AN ORDEAL, BUT XXXX CAN TELL AT THE END OF THE FISCAL YEAR OF XXXX I LOST ABOUT XXXX GS IN GROSS INCOME YOU DO N'T SEE ME SMILING THESE DAYS. USAA HAS BLATANTLY DISREGARD, AND DISMISS ME AS THE CUSTOMER WITH XXXX NEGATIVE OF BANKING HISTORY. THEY HELD MY CHECKS I DEPOSITED, AND MY VA CHECKS AND WHEN I HAD TO PAY A BILL OR EXPECTING AN IRS REFUND THEY HELD THAT CHECK TOO UNTIL I WENT NEGATIVE, AND THEN RELEASED THE MONEY IN MY ACCOUNT AFTER RIPPING ME OFF OF FEES FOR LAST 60 DAYS FROM XXXX, AND XXXX I AM GOING TO FIX THAT TODAY. Product Bank account or service : Checking account Issue Problems caused by my funds being low They did not address a XXXX thing accept these people are working against me, and try to jack my VA money, and Income taxes due an owed to me. They would do business with the XXXX XXXX XXXX XXXX corporations. In regards they think they can XXXX my money, and abuse my money while I am asleep or not watching my accounts while USAA secretly use their members money on the securities, and commodities on the international stock exchange. No one is my DAD I have only XXXX father, and that XXXX dollars of a so called refund is n't good enough they are in cahoots with those trying to sabotage my accounts. Things were different when I was on top in North Dakota, but now they treat me as a second class citizen. They even turned down my application when I was trying to get a XXXX job. I got back stabbed by them XXXX. I want all my NSF 's credited back to me from 120 days ago, and I been out of work since XXXX 2015, and I was prevented by USAA to pay my bills effectively to even have successful transfers. This is my response to I do n't agree with USAA at this juncture.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2015-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: These reps keep calling from XXXX. They have been reported before to you by me. This company must try to collect under different companies name but the phone number is the same because I remember it. They called on XXXX/XXXX/2015 then again on XXXX/XXXX/2015 at XXXX I advised the rep they were told XXXX XXXX does not have my number earlier this week and I was told they would remove it. She stated again it would be removed. This company has called me before XXXX and they always say the phone number is being removed. Again I have reported them to you apparently you are not doing much about it either.
Company Response: Company can't verify or dispute the facts in the complaint
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Other
Subissue:
Consumer Complaint: I signed up for a credit card with usaa. They offered me a secured account of XXXX. On XXXX XXXX XXXX I deposited XXXX and they said after 2 yrs, I would go from secured card to a secured platinum master card account. On XXXX XXXX, XXXX I made a XXXX purchase and on XXXX XXXX they withdrew XXXX annual fee. On XXXX XXXX XXXX I paid XXXX securing my balance back to XXXX. Between XXXX XXXX to XXXX, I questioned a few times why I had problems using my card, and no reflection of my XXXX deposit. Each time I was told my payments were not due until XXXX XXXX, and the XXXX was posting on the XXXX XXXX, XXXX. On the XXXX XXXX and XXXX, I made purchases totaling XXXX and expecting to pay them in XXXX XXXX. On XXXX, I looked at my account and FULL PAYMENT was due in 2 DAYS and they changed my account to the platinum master card, only I had to USE it like a DEBIT CARD, which I already have. This not what I signed up for and asked to return or prorate my XXXX which they refused. I closed the account, and would like my XXXX thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I ca n't believe the horrible service I am receiving with USAA. I got an auto loan XX/XX/XXXX and it was paid off XX/XX/XXXX ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. Suddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in XXXX that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that XXXX XXXX issued a cashier 's check to them on XX/XX/XXXX, but the check was never cashed. After further investigation, I find out that the check was delivered to them on XX/XX/XXXX via XXXX and delivered to the front desk. Their response, they never recieved the payment, so it is not a bank error - and they left the 30 day late payment on my credit report. This XXXX late payment caused my credit scores to drop XXXX points on XXXX bureau - XXXX points on another and I 'm still waiting on the last bureau to get this negative information. On my credit report, I have no late payments and my other loans with USAA are always made on time. This XXXX missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. My question is if I have proof a payment was mailed to them, and signed/delivered to them by XXXX, how is this anything but a banking error?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-15
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: My wife was at XXXX and the debit/credit card we have through USAA bank was not working. I immediately called then and was told I had an hour hold time. I tried their online page but was unable to accomplish anything there either. So, I stayed on the line and within one minute was disconnected. My wife calls back and tells me that all USAA card-holding customers are having trouble too and not one of them is getting through to USAA bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-13
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake.
Company Response: Company believes complaint is the result of an isolated error
State: UT
Zip: 846XX
Submitted Via: Web
Date Sent: 2015-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-12
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: That time on month again. I need to file the monthly complaint against this group. ( USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX ) For the XXXX knows how many th time they have the log in screwed up. Support refuses to answer the phones. They continue to HARASSS me about this XXXX " paperless '' XXXX when they ca n't even run a web site. probably XXXX time complained about it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 16101
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-11
Issue: Transaction issue
Subissue:
Consumer Complaint: I was billed twice for XXXX XXXX XXXX for XX/XX/XXXX season. I have been double billed for my XXXX XXXX XXXX account for XXXX. Initial charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX - SEASON XXXX CA {$99.00} Subsequent charge was on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$99.00} I have written XXXX emails to XXXX XXXX XXXX support at XXXXXXXXXXXX I have also disputed the charge with XXXX twice and had long discussion with them for second dispute. The second dispute was denied today as they said it was not the same merchant. That an online merchant could use multiple billing methods seems beyond their comprehension.
Company Response: Company believes complaint is the result of an isolated error
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-11
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 I was written a check in the amount of {$270.00}, from XXXX XXXX, with an account from XXXX XXXX Bank. I attempted to deposit the check thru USAA 's mobile deposit, via my cell phone. I got a couple of error messages and decided to go to my local bank, XXXX, to deposit the check. The next morning, XXXX XXXX, I noticed that both banks accepted the deposit. I called both banks immediately and explained the situation, then I asked XXXX to call her bank and explain the situation, she did. USAA advised me to let the transaction happen and XXXX of the banks would reject the deposit. XXXX also informed me that XXXX of the transactions would be rejected. Within a few days I noticed that XXXX had returned the check and charged me a {$5.00} return fee, which I expected. The funds from the check were still in my USAA account. XXXX XXXX, 2015 the funds were pulled from the USAA account. I contacted USAA and the representative told me that the funds would be returned to XXXX XXXX 's account. I contacted XXXX and she explained to me that the funds were debited XXXX, then credited once and charged an overdraft fee. We waited a few days to see if the funds would be returned to her checking account, which never happened. I called USAA again on XXXX XXXX and they told me that the funds had been taken out of my account by the Federal Reserve and put into an account at XXXX XXXX, because it was a duplicate check. USAA told me that my local bank, XXXX, would have to take over and that it was no longer in their hands. The same day I called XXXX and spoke with the branch manager, and she explained to me that the check was not returned due to a duplicate item, but because there were insufficient funds in the XXXX 's account. I was advised to contact the Federal Reserve and give them the reference number that USAA gave me. Ref # XXXX. When I contacted the Federal Reserve they told me that USAA had given me the wrong information and that USAA would have to call on my behalf. The women with the Federal Reserve never asked me for the reference number, but instead suggested that I file a complaint if USAA refused to help me with the situation. I feel like USAA has given me the run around and ca n't seem to answer any of my questions correctly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-11
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I had several different accounts with USAA. Due to ongoing rudeness, lies and general incompetence, I moved all my business away from them. I no longer have any of my financial business with them. They still have XXXX credit inquiries being reported on my credit report. Since I have no financial business with them and never will, I think it 's fair that these be removed. But USAA is doing all they can to damage my credit. My score was XXXX before they started their campaign against me. I want their inquiries removed. Can you help me get that done?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72205
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No