Date Received: 2015-03-24
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2015-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-24
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I have XXXX credit cards with USAA BANK. Both are {$4000.00} limits and are fairly new. Back at the beginning of XXXX of 2015 I applied for a car loan through USAA. The next day I spoke with them over the phone and they informed me I was approved for 84 months at 8.5 % for a new car with a limit of around {$31000.00}. For over a month or so I was unsure if I wanted to take the loan, I wanted to really make sure I could afford it. As it is such a big purchase it is good to take your time. I decided that I did n't really like any of the new cars so I had the bank close my application. However, my spouses car broke a few days later and I decided to call USAA Bank back and reapply. I was gain approved for {$35000.00} at 9.45 % for 84 months. I started going through all the paperwork online to make sure I had everything completed. I was ready to go, I even called the bank and told them I found a car and that I wanted to make sure I was ok before I went to purchase it. They said just print the blank check and take it to the dealer super easy. So I did, I went down to the dealer bought the car and even turned down the dealers offer of financing. I told them I already had a check from USAA. So a few days later I went online to make sure my loan and the new payment amount showed up on my account. It had not posted yet and I found that concerning so I called. I was told that I needed to hold on and USAA would look into it. After being on hold I was told that I needed to keep holding. I said is everything ok? I did everything I was told, the employee said how many cards do you have with us? I said XXXX and I named some other credit I have. He then left me on hold for another 10 minutes. I was so confused. I was really starting to feel nervous so when he came back I said is it ok? He said that USAA would not let the loan go through and that it had been reviewed and for some reason it had something to do with my personal information. I was floored with shock. USAA was so vague they said that had to review everything and it would take 3 to 5 days. I asked for a supervisor and everyone was treating my like a criminal. No one told me why, or anything. I said why did you give me a blank check if I was not approved? He said he did not know. I called back several times and I was told that my credit cards were closed also for review. AGAIN I have done nothing for them to freeze my accounts or drop my loans for no reason. I had just bought a car and it does n't seem fair to treat someone guilty who is n't. I have a right to know what its going on with my accounts. Was there a mistake on my application? Had there been fraud done to me? Nothing ... ... Humiliated and locked out for no reason at all. I was financed in 10 minutes at the dealer with no problems at all. I think that consumers have a right to know and I do n't think Banks should say you are approved and then after you buy a car you are not. Very Very bad business and they should be reviewed I have seen thousands of complaints and they are supposed to be a group that helps veterans. My dad is a XXXX vet and I ca n't believe this bank is for them. Please help me, I have worked so very very hard on keeping my credit and it is good and getting better and better. I am scared that they might mess with it by closing my credit cards when I have not abused them. I told the dealer and friends and family and they were all shocked that.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94703
Submitted Via: Web
Date Sent: 2015-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-19
Issue: Other
Subissue:
Consumer Complaint: I applied for a credit card and was accepted from usaa. they sent me a welcomepack and I recived a bill shortly after. I do all my banking online so I tried to pay the bill right away. they told me I could not hat they needed more information so I sent them morewas told that was good and I should get a reply within 2 to 3 business days never did get a reply so I contacted them again. they told me they needed more info so I sent them more and they told me that they would get back to me in 2 to 3 business days they never did. I got another bill in the mail plus emails on my computer called them up and they told me the last info I sent them was n't right so I explained what I sent them and was told that it would work and they would get back a hold of me in 2 to 3 business days and that I would be able to pay the bill at that time i waited to here back from them never did and contacted them again. they told me the info was not good enough and I had to send more information. I at this point told them to forget it and take me out of there system.they toldme okay and I would recive conformation in two to 3 buissness day in I never did after numorous calls and complaints I am still in there system they turned this into the credit agency during this whole process and it shows as a unpaid bill it has lowerd my credit score enough that ino longer qualify for the home loan i was getting I had a XXXX before all this its now down to a XXXX I needed a XXXX and every thing was fine. so I am stuck staying at a friends house because of a card that I never seen had or used and being forced into getting checks to pay them for something I do n't have they said the only way I can pay for this bill for a card I do n't have and never had is to get checks and mail it to them I am totally frustaited with this hole thing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 998XX
Submitted Via: Web
Date Sent: 2015-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No