Date Received: 2015-10-08
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I have XXXX unauthorized transactions on my account and I called the bank immediate ( the next day after the transactions were posted ). The bank told me that they will investigate that and will contact me within 48 hours. however, they never contacted me and I have to call them back and I was transferred XXXX times and still got no resolution. I got a feeling they try to ignore me and made it as hard as possible to let me get my money back. I am very frustrated and I am closing my account with them once I have my money back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2015-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I have home & auto insurance through USAA and, at one point, had XXXX cars on my policy ; never paid late. So, I decided to give USAA a try and apply for an auto loan on XXXX/XXXX/15 to try and build more business with them. After applying for a loan online, I was told that they required more information ( XXXX paystubs and clarification of income ) from me. I uploaded the documents right away and then called the next day and was told they did n't receive the documents. I then uploaded the documents while on the phone with the rep and was then told I needed to provide 2 years worth of tax returns!! NEVER IN MY LIFE HAVE I BEEN ASKED TO PROVIDE TAX RETURNS FOR AN AUTO LOAN!!! Just to play it out, I uploaded the requested documents and was then told they would have to get back to me ... I was still waiting as of XXXX/XXXX/15 when they notified me that they were unable to approve my request for the following reasons : Insufficient or unverifiable income. I provided the requested documentation to the bank to include the following:XXXX subcontractor agreements for both of my sources of incomeA recent bank statement detailing the deposit of said income2 years worth of requested tax returns ( XXXX and XXXX ) I have a good credit rating and make well over $ XXXX between my XXXX jobs. I feel like USAA discriminated against me and treated me like I was doing something illegal when I have proof of all information. To make matters worse, THEY REMOVED MY NEGATIVE REVIEW OF THEIR PROCESS FROM THEIR WEBSITE!! BUYER BEWARE!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Due to financial hardship contacted USAA to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be 3 months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted USAA and was informed that it was returned by USAA via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, USAA demanded 2 months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} ). USAA sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : XXXX or USAA. Receiving phone calls up to XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from USAA and XXXX on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: To whom it may concern, I personally do not want USAA contacting me, but any other agency may. I myself have put many hours into these claims best illustrated here ) by XXXX XXXX co-policy holder ) and confirmed by myself XXXX XXXX, There is much more to this then I can write, I assure you we have witnesses to all events and claims we made with USAA BANK, CREDIT CARD, AUTO and RENTERS INSURANCE. Since end of 2011 I have put over XXXX hours of my life with all this starting with USAA BANK closing our bank account, and putting our credit card in collections, AFTER we not only proved to USAA that we were being idenity theft for several month stretch and finally someone came clean and we found the culprit, but USAA spent more time, lieing, denying then helping, and before this we paid our credit card on time paying more than owed monthly. And neither of us ever had any thing like idenity theft robbery or uncoathe banks like USAA before this. So it was a lot of learning and pain. We found out our banks were closed by trying to get gas, we were almost out and far from home. They also held on to our money for over a month. That was 4 years ago and started a ripple effect into our credit which swarms us today. There is so much more, so much more that my eyes roll, on XXXX, yes XXXX robberies and XXXX car accidents, Usaa never paid the full amounts, the things they promised, and from the XXXX robbery, I would have to say USAA caused these issues to, they made it easy for thieves, like in XXXX robbery, and XXXX we had people WE DID NOT KNOW AT TIME point out the robbers, and XXXX times a XXXX XXXX CREDIT CARD was talken and used. Usaa owes for so many policy things, they have refused to take calls for last two years when I asked why our last property they said we were getting XXXX and they sent XXXX, I started calling from day one, they even refused to return calls when I tried to send in depreciation reciepts, they refused to pay out on wages on XXXX incidents, they refused to help get a car which they promised they would from their auto-circle program after WHAT WE SUSPECT THEM illegally totaling our car and we had to end up getting XXXX whcih we had to pay over {$2500.00} down and over {$400.00} a month and over % 21 percent interest, all things that could been avoided like so many XXXX other things in past years if Usaa stopped hording money and acually doing what they are suppose, they have even denounnced CALIFORNIA AUTO INSURANCE INVESTIGATION which they had previous agreed with on several things like my veneers and wages and other things hey were to pay out but flattly refused. There were XXXX other hard core things USAA knew and didnt care. They opened up not only a credit worm hole, but they made it easy for thieves and caused us XXXX, oftenXXXX for long times, where we have lost out on family events, vacations, work oppurtunities, marketing money, we have lost all our valuables all our personal, things.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-06
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: The USAA Federal Savings Bank stopped providing me with a " completed payment '' list on accounts processed through their USAA web billpay service displayed under the " Recent Payment Activity '' window. All pending payments, including the non-USAA accounts are listed, but the completed payments lists only the USAA accounts. The non-USAA accounts are not listed. The USAA web billpay service deducts payments from my USAA checking account. The failure to list all completed payments does not allow me to track all of my checking account expenditures accurately. This problem has persisted for over two months. I have made several phone calls to USAA to correct this problem. I have spent inordinate amounts of time waiting on the phone to talk with representatives only to receive trouble tickets that go unresolved or are ignored. I have not received any follow-up phone calls, emails or letters from USAA representatives regarding this issue. Trouble tickets issued : # XXXX, # XXXX, # XXXX, # XXXX ... From XXXX/XXXX/2015 through XXXX/XXXX/2015
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-05
Issue: Payoff process
Subissue:
Consumer Complaint: This company is cruel, USAA BANK, USAA CREDIT CARD, USAA XXXX not only owes XXXX myself so much money but time, loss of credit, loss of work, loss of so much. They know this, they have letters from state of CALIFRONIA and themselves stating they know they owe us but refuse to pay out, I want to discuss this, they are the most criminal lieing rat-tagged group I have ever dealt with they caused severe health, stress, and employement issues as well, and this call can be proved. they laugh, I have recently become so terrified by their lies and games, and its so obvious the things they owe. This company needs to be disbanded and all employees XXXX XXXX XXXX, XXXX XXXX and all the ceo 's and now XXXX need to never work in this industry again. I am in terror for their lies and insulin. Here is a brief description. Expect many more people to start filing : To whom it may concern, There is much more to this then I can write, I assure you we have witnesses to all events and claims we made with USAA BANK, CREDIT CARD, XXXX. Since XX/XX/XXXX I have put over XXXX hours of my life with all this starting with USAA BANK closing our bank account, and putting our credit card in collections, AFTER we not only proved to USAA that we were being idenity theft for several month stretch and finally someone came clean and we found the culprit, but USAA spent more time, lieing, denying then helping, and before this we paid our credit card on time paying more than owed monthly. And neither of us ever had any thing like idenity theft robbery or uncoathe banks like USAA before this. So it was a lot of learning and pain. We found out our banks were closed by trying to get gas, we were almost out and far from home. They also held on to our money for over a month. That was 4 years ago and started a ripple effect into our credit which swarms us today. There is so much more, so much more that my eyes roll, XXXX, yes XXXX robberies and XXXX car accidents, Usaa never paid the full amounts, the things they promised, and from the first robbery, I would have to say USAA caused these issues to, they made it easy for thieves, like in first robbery, and second, we had people WE DID NOT KNOW AT TIME point out the robbers, and XXXX times a XXXX XXXX CREDIT CARD was talken and used. Usaa owes for so many policy things, they have refused to take calls for last two years when I asked why our last property they said we were getting XXXX and they sent XXXX, I started calling from day one, they even refused to return calls when I tried to send in depreciation reciepts, they refused to pay out on wages on XXXX incidents, they refused to help get a car which they promised they would from their auto-circle program after WHAT WE SUSPECT THEM illegally totaling our car and we had to end up getting one whcih we had to pay over {$2500.00} down and over {$400.00} a month and over % 21 percent interest, all things that could been avoided like so many tens over other things in past years if Usaa stopped hording money and acually doing what they are suppose, they have even denounnced CALIFORNIA AUTO INSURANCE INVESTIGATION which they had previous agreed with on several things like my veneers and wages and other things hey were to pay out but flattly refused. There were beatings, XXXX and other hard core things USAA knew and didnt care. They opened up not only a credit worm hole, but they made it easy for thieves and caused us severe depressionXXXX for long times, where we have lost out on family events, vacations, work oppurtunities, marketing money, we have lost all our valuables all our personal, things, and when I approached USAA who I saw dragging their feet XX/XX/XXXX, with a 15 day demand letter, they rudely did not respond til well after 15 days and they still withholding HELP!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2015-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-10-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: Another consumer and I had a transfer with USAA. Where the other consumer transferred XXXX dollars from his account to mines and had me withdraw it and give it to him. Without me having any knowledge of me knowing that it was a scam. Then a few days later my account went into overdraft of XXXX dollars. USAA reported me to XXXX for mismanagement of my account. I feel that this is unfair because USAA should have not let the transaction go through if the other consumer did not have the legitimate funds. I paid of the debt and i was still reported to XXXX. and as of right now i am not able to do business with any other banks. i would like this issue to be taking care of.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-02
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Below is the information I sent to USAA 's CEO : Today is XXXX XXXX, 2015 and like many people, my rent is due. As I have done for the last 2 years, I deposit my girlfriends check for her half of the rent. Never does USAA put holds on my account especially not for such a small amount. I thought this may be related to USAA 's terrible security since my debit card information was recently stolen. I called and spoke to a worthless Executive Response member named XXXX. Upon telling me that he can not do anything for me, I asked to speak to a real manager in order to express my concerns and to help me with this pressing situation. After he told me there were NO MANAGERS AVAILABLE IN THE ENTIRE COMPANY, I told him I can hold for one until they are available. His response was simple " you can call back or I can discontinue the call. '' I was previously XXXX at XXXX XXXX and I have never seen this type of disgusting customer service ( if you can even call it that ). XXXX then disconnected the call on me after I had been trying to speak with someone for over XXXX minutes. I have always liked USAA because of the great service you used to provide. I will be filing a complaint with the XXXX and will be searching online until I find the CEO 's email so I can explain the horrible people that are hanging up on people that need help. I will also be taking this to social media as well as posting this to as many consumer sites as possible. I truly feel that USAA does not care about their customers and apparently has no respect for anyone that needs help! I hope someone pulls the call and reviews the extremely poor service of your representatives. I need my account fixed ASAP so I can pay my rent even though it is now late because of this company doing this to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-02
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: USAA will not allow me full member access to my accounts saying that " Since I declared bankruptcy they ca n't collect debts ''. This is contrary to bankruptcy law, as my bankruptcy was finalized 3 years ago, and therefore I no longer owe them money. When I call to find out more and get more details and ask to speak to a supervisor in banking they put me on hold for XXXX minutes and then disconnect me. They only allow me mobile access, which does not allow access to my USAA accounts to change how I pay my bill and do other critical things.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-10-01
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: This is affidavit of the truth. My XXXX XXXX XXXX truck was illegally reposed XXXX/XXXX/XXXX from XXXX XXXX XXXX out of XXXX Alabama. This was my deceased husband truck who passed away XXXX/XXXX/XXXX. My XXXX year old daughter inherited my deceased husbands truck when he passed away. In XXXX I received the title and XXXX letters from USAA that truck was paid in full. USAA claims they have no documents on the truck and I have no contract it is a done deal. They stated I have to talk to XXXX and XXXX. They also stated I have a contract with these companies. I have asked for proof and sent XXXX certified and also a XXXX page fax. As of today XXXX/XXXX/XXXX no debt has been proven to me. My vehicle has been stolen from me and I do plan to go forward and sue and what I have learned XXXX companies are involved with this criminal matter. XXXX from XXXX stated they are going to auction my XXXX XXXX XXXX my property who I have the certificate of title and XXXX letters from the bank. This has done an emotional number on myself and my XXXX daughters. I do hope you look in to this and demand the auction to be stopped and my stolen property to be returned ASAP! I have also put a lien on this vehicle as I am the true and only owner. I have also been to the Probate office and they also stated I was the true and only owner per XXXX XXXX. It was also brought to my attention the title was transferred in to my name XXXX XXXX. I find this odd as I had this done when my husband passed away XXXX/XXXX/XXXX he was a veteran served his country and this is the thanks his family receives. I want my stolen property returned tomorrow. I also do n't recall giving permission to these copies to trademark my name or copyright. Please take care of My XXXX XXXX XXXX asap. If Securitisation is illegal under US legislation - primarily because it is fraudulent and causes specific violations of R.I.C.O., usury, Antitrust and bankruptcy laws. And it flies in the face of public policy in numerous ways, as is expounded in extensive detail in an analysis to be published in our journal Economic Intelligence Review XXXX ( XXXX ) with several pages of book, article and case references. To begin with, securitisation violates US State usury legislation. Secondly, all 'true-sale ', 'disguised loan ' as well as 'assignment ' securitisations are essentially tax evasion schemes, and the penalties for tax evasion in the United States are excessively severe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: 360XX
Submitted Via: Web
Date Sent: 2015-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No