Date Received: 2023-08-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XX/XX/2023 I was drugged and robbed in XXXX XXXX. They stole my phone and wallet and got into most of my accounts. A police report was filed with XXXX XXXX police department and I called USAA through my friends phone on XX/XX/XXXX. They said they locked my account and marked all charges after that as fraudulent. In which they did not lock my account and I has to call back three more times. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and communicated numerous times through their chat as well about a {$1000.00} XXXX charge that was not authorized. Everytime I called they said it has not been disputed and to call back in ten days since they disputed it. Finally I had enough and said cancel all my accounts because the hackers had the routing and account number and they kept saying the charge had not been distributed after calling back numerous times. I feel as if they just tried to push it so I would not get the money back even though it was fraudulent. There was other numerous charges as well that I marked fraudulent and got back with no problem.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My debit card was stolen. I closed the account and reported the problem. Over XXXX dollars were taking out and the thief also tried to order a new card. I informed the USAA and they deemed it not fraudulent even though there is evidence that the thief was able to go to XXXX XXXX XXXX in XXXX hours and pull out cash.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am dealing with USAA bank overdrafting my account multiple times relating to my USAA auto insurance policy and now I am being charged premiums for a car that has been totaled for over XXXX months now I have been paying and XX/XX/23 was my last attempt to resolve this without legal action. I have spoken with the bank and explained that I am XXXX veteran and how frustrating it is for me to have to learn the complexities of bank jargon to defend myself from these ridiculous premiums and fees. I have utilized the app XXXX to recover some of my funds but it's ultimately me dealing with the abusive practices. I don't understand how my bank and this insurance branch are doing this to my account. I have called XXXX times to have to changed and each time I feel like I am fighting a marketing ninja trying to sell me something I didn't even call about. Thank you for your time and any help you can offer to assist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had XXXX credit cards with USAA. Both cards were charged off by USAA in XX/XX/2017. I have requested a 1099-G for both cards multiple times from USAA and they have refused to provide the form for the charged-off accounts. USAA also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested USAA fix this multiple times, and they have refused.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XXXX, during my employment with XXXX XXXX, I opened a checking account ( and very likely a savings account, but not exactly sure ) with USAA and within a very short time they misled me about various aspects of their banking services, which escalated into intense conflict, causing me to close out my checking/savings account ( s ). When closing them, at no time did the USAA representative ever disclose that wording in the membership contract I agreed to ( a veterans only bank ) allowed USAA to keep any of my personal information in their database, as a pretext to keeping my membership in their records. When I received an entirely unexpected email from USAA roughly 7-10 days ago, advising me that my Account Review was complete, I not only had no idea what an account review was-since I no longer had an account with USAA, but wanted to know how USAA got ahold of my personal information, when I understood they were required to purge my personal information from their database, when accounts are closed. When I finally got a manager in the fraud department on the phone ( after 26 attempts ), she advised me that yes, the accounts were closed, but covenants in the contract allow USAA to keep my personal information, as a portal to my membership, which they regard as current ; USAA insists they dont have to honor my privacy rights, because ( by insinuation ) my veterans membership is a lifetime membership. None of this was ever disclosed to me and I demanded they purge my personal information from their database, which USAA flatly refused to do, because of the covenants in the contract. They directly and indirectly insisted that they dont have to honor any members or previous members privacy rights with them insisting they dont care if I file this complaint with you! USAA also admits they dont care if keeping my personal information makes me dangerously vulnerable to the dark web and identity theft, which they admit Im vulnerable to, because of their reckless, unauthorized retention of my personal information! I demand USAA purge my personal information from their database and be fined for deceptive accounting practices, that include failure to fully disclose account closure practices by USAA that are not subject to privacy rights laws and banking industry standardsthat USAA seems to enjoy flaunting, for refusing to believe they will be held accountable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85304
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX seperate companies had gift card purchased fraudulently with my debit card and several of my credit cards. I was able to get the issues with the credit cards resolved but USAA Federal Savings Bank refuses to refund the money that was taken out of my debit card account to pay for numerous gift cards. The merchants sent reports to my bank- and they clearly state that the XXXX address used to purchase the gift cards is located in XXXX XXXX XXXX Texas XXXX and NOT our IP address located in XXXX Texas XXXX This should be enough to prove that this was a fraud. The bank told me to take it up with the merchants, XXXX and XXXX and they would not consider someone STEALING my debit card credentials and using these credentials to purchased gift cards fraudulent activity. There is also supposed to be a " No Fault '' fraud policy that protects checking and savings accounts with USAA. Which is NOT true. They don't honor this policy and don't honor the fact that we've been members for over 30 years! There is CLEAR EVIDENCE ( IP Address, names of fraudsters on merchant reports ) that we are not fraudsters nor have we run our personal business in the last 30 years like scammers! I believe the bank should honor their " no-fault '' policy and look at the FACTS presented by the merchants and refund our money ASAP!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a XXXX XXXX in XXXX XXXX for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Due to various companies sharing my information I have been targeted by various companies, and it is starting to affect my personal life and safety.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2023 I sent two payments, via Bill Pay, from XXXX XXXX XXXX XXXX XXXX XXXX ) to a USAA auto loan. One for {$1800.00} and one for {$420.00}. I can see in my XXXX account summary that both payments left my account. USAA claimed that there were insufficient funds. I can see in my USAA account summary that both payments were received and reversed. Then the money disappeared. I am missing {$2200.00}. I have called both entities seventeen times almost weekly since XXXX and neither of them will claim responsibility or give me the money thats missing. In addition to the numerous phone calls I have uploaded documents and thorough notes proving my case and had a three-way phone call with both entities to no avail. This is causing extreme stress and each time I call I have to start the story over again and end up with the same result. My XXXX checking account # is XXXX My USAA auto loan account # is XXXX. On XX/XX/2023 I submitted a CFPB complaint against XXXX ( Complaint ID XXXX ) to seek resolution and they, again, claimed that it's not their responsibility on XX/XX/2023.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A