Date Received: 2023-07-17
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Hi my name is XXXX XXXX. I have been a member with USAA for 7 years and I opened a credit card ending in XXXX with USAA bank . I am unable to get an accurate credit report because USAA removed it from my credit file. I am now on my 2nd on time payment and I was informed by XXXX, XXXX, and XXXX that USAA has not sending them information. My credit score is not correct for these reasons. PLEASE REPORT MY CREDIT CARD AND PAYMENTS IMMEDIATELY OR I WILL STOP MAKING PAYMENTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The problem I have is I had two unauthorized transactions for XXXX XXXX orders I didnt do I had the tracking numbers emailed me I called XXXX reps and spoke to them fave them both tracking numbers they said its for an XXXX order I call the bank a complaint is filed on the XXXX the lady never processed me a replacement card so I waited a whole day and nothing was ever process so I called the second day and had to speak to another rep she put a dispute through another one because she didnt see the one from the XXXX because I wasnt processed another card then she process a card but she did it regular mail so I had to do it replacement express so I had to call a third time my issue is I got a provisional credit for the dispute on the XXXX not the XXXX the XXXX was made but the lady who I spoke to on the XXXX didnt see the dispute so she made me one then a little down the line she sees it and cancels the dispute on the XXXX but the XXXX is still here its now XX/XX/XXXX a week later before I was charged and I still aint get a provisional credit for the dispute on the XXXX they will be taking XXXX dollars back tomorrow but it doesnt make sense how a dispute was easily placed on the XXXX and a provisional credit was already provided the XXXX was cancelled so thats why they taking the provisional credit but I havent received nothing for the XXXX I just keep getting told its under investigation but yet nobody telling me how they process a provisional credit for the XXXX but not the XXXX doesnt make any sense to me and I need to figure this out because I called XXXX I called XXXX XXXX its tiring nobody is helping me with this stuff its frustrating because you think your bank has your back especially when you have issues and stuff but disputes wasnt even properly placed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited a payroll check into my USAA checking account. USAA cancelled the check as it was written to my business with XXXX notice or opportunity to provide appropriate documentation to show that the check was written to me. USAA has been completely unhelpful in dealing with the fees associated with over draft. They have no failsafes in place to catch issues like this and no available remedies to assist customers in resolving overdraft fees or to stop the excessive fees. The information is buried in terms and conditions and the consumer has no way to know this information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I ordered XXXX pairs of shoes from Salomonusashop.com The payment was processed through XXXX. I became suspicious when I didnt get an email confirmation, and started a credit card dispute on XX/XX/XXXX after several attempts to contact XXXX. On XX/XX/XXXX USAA requested supporting documents. I was unable to upload documents through the online portal so I called in. The agent I spoke with clarified that what had happened fell under fraud rather than dispute, so the card ending in XXXX was closed and a new one was sent. As the dispute process and fraud investigation proceeding the {$96.00} charge was debited on XX/XX/XXXX and XX/XX/XXXX, and credited on XX/XX/XXXX and XXXX, XXXX, XXXX. On XX/XX/XXXX, a new debit of {$96.00} appeared on the account with the new credit card ending in XXXX. I called in on XX/XX/XXXX and was told that I would need to again close the account and be issued a new credit card number. I was also told that I may need to do this a few more times before the charge stopped showing up on the account. Hearing this, I decided the account was too severely compromised to stay open. I asked that it be closed permanently and entirely, and a new fraud claim be started. After waiting until XX/XX/XXXX and seeing no evidence the account had been closed or a new fraud claim had been started I called in again. I was assured the account was closed and the fraud claim was underway. By XX/XX/XXXX there still was no evidence the account had been closed or the fraud claim had been started. I called in again. This time I was told that the charge on the account was actually a creditin spite of the very clear evidence to the contrary. After having this explained to me repeatedly for well over XXXX minutes, I asked that the call be escalated. The supervisor I spoke with indicated the charge had been reinstated, there would be no further action by USAA and the charge would remain my responsibility. In the interim a document was delivered to my online portal claiming the charge was valid because my email address was tied to a XX/XX/XXXX transaction that had not been disputed. There are no charges from XXXX on the account in question, or any other USAA account, on that day or even that year. In addition, there are no charges on the XXXX account associated with the email address anytime in XXXX.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: WA
Zip: 99207
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XX/XX/2023, my account was frozen without warning. I called USAA not knowing anything to resolve the matter. I was told that it was frozen and under review. They refuse to tell me anything and have treated me with disdain like Ive committed a crime or some sort. I believe it is because I was trying to send money to fund a trading account. I used my known XXXX, XXXX, email address and passwords/codes using the procedures outlined by them in order to facilitate this transfer. They never sent the money, I was never notified of a problem or was asked anything. I feel XXXX being denied due process of law and now they are causing a financial hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: USAA never issued me a XXXX for a charge off reporting on my credit report showing a charged off balance of {$11000.00} opened XXXX closed XXXX. I try logging in to my usaa account about this and they will not allow me to log in using my username. i tried to reset my password through my phone and email but there is nothing they will do. Generally, a creditor must file a Form 1099-C if : ( 1 ) debt in the amount of {$600.00} or more has been discharged ; ( 2 ) the creditor is an applicable entity; and ( 3 ) an identifiable event has occurred. A Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs ( XX/XX/XXXX to debtor ; XX/XX/XXXX to the IRS if paper-filed, and XX/XX/XXXX to the IRS if e-filed ) XXXX Finally, the only cancelled or discharged debt that must be reported on a Form 1099-C is the principal amount of the debt owed ; however a creditor may report the interest and penalties forgiven if it so chooses. The pertinent Treasury Regulation defines indebtedness for Form 1099-C reporting purposes as any amount owed to an applicable entity, including stated principal, fees, stated interest, penalties, administrative costs and fines. The amount of indebtedness discharged may represent all, or only a part, of the total amount owed to the applicable entity. Treas. Reg. 1.6050P-1 ( c ). An applicable entity includes government agencies ( including the Small Business Administration ) and applicable financial entities, which consist of financial institutions ( their subsidiaries ), credit unions, the Federal Deposit Insurance Corporation, and any organization a significant trade or business of which is the lending of money. IRC 6050P ( c ). An identifiable event generally triggering a Form 1099-C reporting obligation includes : ( 1 ) a bankruptcy discharge ; ( 2 ) a cancellation/extinguishment that renders a debt unenforceable in a receivership, foreclosure, or similar proceeding ; ( 3 ) a cancellation upon the expiration of the statute of limitations for collection of an indebtedness or upon the expiration of a statutory period for filing a claim or commencing a deficiency judgment proceeding ; ( 4 ) a cancellation pursuant to an election of foreclosure remedies by a creditor that statutorily extinguishes or bars the creditor 's right to pursue collection of the indebtedness; ( 5 ) a cancellation that renders a debt unenforceable pursuant to a probate or similar proceeding ; ( 6 ) a discharge pursuant to an agreement between an applicable entity and a debtor to discharge indebtedness at less than full consideration; and ( 7 ) a discharge pursuant to a decision by the creditor, or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. The failure by a creditor to file a Form 1099-C may result in penalties under IRC 6721 and 6722. The amount of penalty for the failure to file a correct Form 1099-C by the due date ( IRC 6721 ) is based on when the Form 1099-C is filed :
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I received a message from XXXX XXXX inquiring about tires and rims I was selling on XXXX XXXX XXXX for {$600.00}. He inquired about whether I used XXXX for payment. I told him that I did. Then I received a notice from what I thought was XXXX stating that the person that was sending the funds were using a business account and because my account was a personal account needed to be updated to a business account. It stated that the pending payment of XXXX XXXXXXXX. We should be crediting your account now, but funds coming from a business account are pending until the following steps is applied so it cant be credited. We need you to contact the buyer to send in the amount of XXXX XXXXXXXX to your XXXX account so that your XXXX account can be changed to a business account and be credited immediately with $ XXXXThen XXXX XXXX stated that he send the {$300.00} and I had to guarantee him that I would send the {$300.00} fee back to him. Which I did. I was unaware that I was being scammed. I sent the money back from my account on XX/XX/2023, but had a feeling after all the back and forth from XXXX XXXX. I contacted my bank about this being a possible scam.On XX/XX/2023, I received a letter from USAA stating that there was no error. Also that based on XXXX terms of service agreement or payments for goods, or services. They declined to return the money and that should try to make the effort to retrieve my money from the buyer. I tried to contact the buyer via XXXX making a request for return of funds only to find out that the recipient isnt eligible to use XXXX any longer and to contact the recipient to verify the information is correct. I know that the information is correct as they used the same information to send my money to recipient. At this point I am not sure how to proceed and {$300.00} is a lot of money for me to lose due to this type of scam that seem to spoof XXXX information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My bank USAA put my account into Inactive Status, which then accrues no interest for 3 years, and did not notify me they were doing so. I routinely checked the account to make sure there was money there, and it was linked to my checking via overdraft protection, but nothing indicated it was actually " inactive ''. The account status was not indicated on their website when I checked the account, I received no email nor paper mail about it, nor any other communication about the change in status. I only found out when I tried to move money out of the account and had no way to access the account as it had been disconnected from all ability to move money in the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 26003
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: USAA is charging me a 30.4 % predatory interest rate on my Credit Card. I called them twice and asked for a better rate. It was 15.99 % originally. They said they did not have a better rate for me. My credit score is XXXX. USAA is for Veterans only. I think it is disgusting that they think they can charge me such a high rate. Maybe they should not be allowed to represent Veterans!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: USAA SAVINGS BANK ACCOUNT NUMBER # XXXX OPEN DATE XX/XX/2007 {$32000.00} THIS IS NOT MY ACCOUNT I WAS NEVER IN THE MILITARY OR NOR DO I HAVE A BANK ACCOUNT WITH THIS BANK I NEED THE REMOVE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A