Date Received: 2015-11-02
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Soon after I filed for Bankruptcy, I was denied full access to the USAA website with the words " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' Printed in red every time I attempt to log in. I am then redirected to a stripped down version of the website, basically a mobile site, with my full account information including full account numbers visible to the public when I check on my existing accounts. They claim, they do this to limit the possible chance of USAA accidentally extending further credit to those who filed bankruptcy. I call that a lack of professionalism and they make their members pay for USAA 's inability to perform a minor task as USAA can accurately access any current or future member 's credit worthiness via the credit reports, as that is what they are used for ; they do not need to limit access and further humiliate their membership in such a way and continued practice will result in Discrimination charges against USAA. As they seem to be punishing anyone for falling on financial hardship and not being able to pay their debts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53132
Submitted Via: Web
Date Sent: 2015-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-01
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, when I logged into my USAA Federal savings banking website I noticed that both of my son 's savings & checking accounts read Unavailable, which was strange to me because I had never seen anything like this before. I then called the USAA Federal savings bank to inquiry about this, not knowing if they would share any information with me, because these XXXX accounts belong to my son and while I was on hold and waiting to speak to someone, I called my son and began to question him, as to why his accounts where saying Unavailable oppose to showing the dollar amount that is typically shown when I view this page while being logged into banks website. This is when my son informed me that he was not sure as to why the accounts where placed in this status, and that he no longer had access to the accounts. On XXXX XXXX, XXXX I received text messages informing that USAA made a deposit to my son 's savings account, in the amount that has been showing a negative amount of money. Shockingly I had never received any text messages about anything ever associated with my son 's banking accounts and surprisingly I did not receive a text message referencing the status of his checking account, until I immediately contacted USAA Federal savings bank to inquiry about the text message stating that a deposit that was posted to my son 's savings account for " Charge Off Fraud '', which left me more confused then ever, where are asked them about the status of checking account and was told that USAA Federal savings bank had deposited the remaining outstanding balance to my son 's checking account after taking the monies from me ( XXXX XXXX, XXXX ) and placing it in my son 's checking account. XXXX XXXX, XXXX USAA Federal savings bank removed both of my son 's savings & checking accounts. On XXXX XXXX, XXXX, XXXX separate envelops addressed to my son and me arrived at my house and inside of each XXXX of them, was a statement showing a negative of amount which represented the savings & checking accounts telling me that the accounts are overdrawn and that this will be reported to the consumer reporting agency. My concerns / disagreements with all of this is that I have an excellent credit rating and have carried such all of my life, and I currently work for Federal government where I hold a Top secret security clearance and now because USAA Federal savings bank say that I am liable for fraudulent activity because I am showing to be a joint account holder on both of my son 's savings & checking accounts in just not right, that I can possible lose my Federal job because of something that I have no control over is wrong in so many ways. USAA Federal savings bank continue to tell me that I am a joint account holder on a checking account that was opened by son back in XX/XX/XXXX, which I never signed up for. I continually asked for proof of this and after almost a month later USAA provided me with a document that gives dates that showed where I opened up a Youth savings & checking account in XX/XX/XXXX that shows the same savings account number then and now. The checking account number in XX/XX/XXXX is different from the one that was opened by my son in XX/XX/XXXX ; however USAA continue to tell me that I am liable for the fraudulent activities that occurred from XX/XX/XXXX - XX/XX/XXXX. Based off of this provided information, did USAA Federal saving bank commit bank fraud / identity theft against me and did they remove my money out of both of my personal savings & checking accounts and applying it to my son 's checking account that I should not have been added too illegally?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2015-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-29
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2015-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-28
Issue: Late fee
Subissue:
Consumer Complaint: I am XXXX customer and having a hard time to contact the customer service via a relay service several times, but they keep hanging up at me because of a relay service.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2015-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-27
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2015-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-27
Issue: Other
Subissue:
Consumer Complaint: USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2015-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-22
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: There was fraud on my account which was unauthorized and my bank will not provide me with a refund.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2015-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-20
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: The response from USAA Financial Savings Bank ( FSB ) in response to the unauthorized debit from my savings account, and transferred to another FSB member 's XXXX XXXX investment account is incorrect. FSB was contacted by me on XXXX XXXX 2015 referencing the unauthorized withdrawal on XXXX XXXX 2015, and later that day same day I identified XXXX additional unauthorized withdrawals to the same investment account on, XXXX XXXX and XXXX XXXX 2015. I made numerous calls that day, and was repeatedly told, " I am sorry but we can not refund beyond 90 days. '' It was later I was told the XXXX does not got beyond 60 days. I also contacted the FSB multiple times between the dates of XXXX-XX/XX/2015 asking for assurance that no more unauthorized withdrawals would be made from my saving account ending in XXXX. I 'm pleased to know that all conversations between me and the FSB are recorded, they will attest to the truth of what I am saying. If there it was stated that the FSB was uncooperative, I would restate that remark to say unresponsive. All calls were made by me to the FSB. I never received any calls from the FSB. Each call the representative would make an incorrect statement, and I would get a different person each time. I have never received a point of contact. The incorrect statements of USAA FSB policies, and my situation could be due to calls being answered by subcontractors lacking adequate knowledge and training. I was told that would prevent further withdrawals. When I asked about the investigation into how another FSB member could withdraw funds from my saving account, I was told there was no investigation. When banks receives a complaint of fraud or theft, they are obligated to investigate the complaint and respond with a report within XXXX working days. I asked if I could be transferred to the fraud department. The Fraud Department stated their was no investigation because the Written Statement of Unauthorized Debit form ( WSUD ) I submitted on XXXX XXXX 2015, was canceled by the FSB. The day I completed the XXXX, I uploaded it to my XXXX, it was returned back to me the same evening, and the decision was made not to investigate the theft from my savings account. On XXXX XXXX, 2015 at XXXX., I spoke with XXXX XXXX who stated the mistake is the FSB and offered to return all three withdrawals taken by XXXX XXXX. He stated that the error was on USAA FSB. In speaking with XXXX XXXX XXXX, I found out that the individual, XXXX XXXX XXXX, is a USAA FSB consume, and that my account numbers are similar. I told XXXX XXXX that each call I have made to the FSB, I have been told I can not receive my money that was taken with my approval beyond 60 days. The funds taken with the FSB approval was my Social Security XXXX Insurance back pay, and transferred into another FSB member 's outside investment account with XXXX XXXX. The Social Security I receive is affected by my limited income and unemployability. Anyone with income or resources above the SSI income and resource limits are not eligible for the need-based XXXX program, like the one I receive. Should the Social Security Administration take note that my benefits provided for my XXXX, is being transferred to an investment account, I could lose my benefits. The next day, I received a call from XXXX XXXX at approximat4elyXXXX. XXXX XXXX spoke about the XXXX agreement however, XXXX XXXX went into details about how long she been in the banking business and this situation occurs frequently. She remarked that obviously XXXX XXXX was not monitoring his account like me. I quickly told XXXX XXXX that I was the victim, not XXXX XXXX, who has been taking our funds. I received an agreement from XXXX XXXX about being a victim. I was told I would receive an update, but I have not heard from her.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2015-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-17
Issue: Other
Subissue:
Consumer Complaint: This is a general complaint that I would love to see CFPB take up. I find it outrageous that credit card companies often do NOT show us our running balance on our credit cards. I just called USAA because the numbers were n't adding up and even the friendly guy who answered had to calculate all my expenses one by one because he could not see the running balance. It 's 2015, there 's no reason these banks can not keep a running balance. This only increases the chances for manipulation and is a complete lack of transparency. I think we should make it ILLEGAL for credit card companies to not show the running balance. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2015-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-17
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I opened a checking account for my son before leaving for college, for the purpose of transferring funds as needed. XX/XX/XXXX he 's doing his XXXX out of state. The problem is this institution has very limited branches. When my son received his first check I instructed him on where to go to deposit his payroll, to our surprise they held a portion until a week later. We called the bank for explanations, with the understanding that was handed over along with the advice of making more deposits the better. Next pay period same thing happened, once again we called got different advice and spoke with supervisor, she advice he go somewhere else to cash it, meanwhile I 'm here home borrowing money getting money orders going to XXXX to deposit into my acct. and transfer into his. 3rd time he cashed it and he then went out purchased a money order and went out the way to find a XXXX to deposit into his acct. so that it can be transferred back over to my acct. THEY HELD THAT AS WELL! Made a call again new advice. HELP PLEASE!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2015-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No