Date Received: 2023-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX USAA SAVINGS BANK CREDIT CARD BALANCE XXXX $ XX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card with USAA as a company that offers XXXX banking and credit services. At the time of application, I had and continue to have fraud alerts on all XXXX credit repositories, as opposed to USAA contacting me to verify it was me that submitted the application as XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX all did, USAA has me in their data base of having a credit risk problem with them before dispute never having and account or verifying that it was me that submitted the application for a visa credit card ( which I did ) per ECOA, FCRA. I currently have XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX active credit cards with fico scores over 700. USAA is preventing me, a veteran from accessing services they earmark specifically for Veterans by saying they've had a consumer problem with me before solely based on USAA not doing the phone verification on the submission I maid applying for a USAA visa credit card. Because USAA has my profile listed as such, they won't even give me commercial insurance quotes for my business.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I never had a auto loan with USAA. USAA states i have a vehicle loan for {$66000.00}. I have the title for the vehicle in question, i have a letter from USAA removing the fraudulent lien on the vehicle, and have a recording from USAA stating I never opened a loan with them.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: EMERGENCY NO ACCESS TO USAA BANK FUNDS USAA Bank is REFUSING me access to my funds by NOT sending replacement cards to a XXXX address ; the bank sent our cards in XXXX XXXX. We have been without access to our funds since XXXX XXXX XXXX ( US ) ; XXXX XX/XX/XXXX ( XXXX ), my birthday, when USAA Bank canceled our card sent to XXXX without notification. We have no access to our bank account funds and are Forced to go to the United States Embassy for help. We no longer have cash on hand. Today marks 1 month ; without access to our account ending XXXX. I am a XXXX XXXX XXXXXXXX Veteran, and this continued situation that has been going on for over a decade aggravates my service-connected XXXX of XXXX and XXXX. Attached 43 Page Explaining Criminal Activity on Account. 50 Attached Supporting Documentation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone stole my credit card then charged {$17.00} on the card. I contacted the issuer of the card ( USAA Bank ) and informed them of the fraud. I sent an ID theft affidavit and a police report. USAA Bank is refusing to remove the negative information from my credit report thereby violating my rights under the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The balance on the credit card is paid, I have submitted receipts and proof from the collection company. XXXX is just ignoring the proof and siding with the reporting creditor without doing a proper investigation. They want me to believe that they completed a proper investigation in 48 hours during a weekend.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79720
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute with USAA on XXXX. USAA issued a credit for {$1400.00}, they made no contact with the merchant who agrees they didn't deliver the product/ service and could not refund my money. USAA reversed the credit and pulled {$1400.00} from my checking account without notice leaving me in a financial strain. I called ISAA and spent weeks trying to correct the issue. Their customer service people told me it was too late to do anything and the " customer isn't always right '' I am out {$1400.00} after providing all supporting documents and USAA refuses to do anything. As a XXXX veteran, I can not afford this. I served my country honorable and was injured on her defense. I need help in resolving this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2022 our son ( we the parents are joint account owners, due to his XXXX ) called USAA to tell them he was getting scammed. His checking balance was {$580.00} at the time, but two deposits of {$5000.00} were made to his checking from a 2nd account that had been set up in our son 's name, without our son 's knowledge. Our son 's call was due to an alert from USAA of unusual activity. The USAA representative, XXXX, spoke for 3 hours with our son telling our son that this happens all the time and that he would take care of it -- our son asked USAA to stop it and send back the money that wasn't his. However, instead of closing the account, supposedly a 3-day hold was applied, but the defrauder/scammer was able to withdraw two {$5000.00} amounts ( transferred to a 3rd account set up in our son 's name, unknown to our son ). A 3rd deposit of {$5000.00} was also made to this checking account from the 2nd account. When we saw on XXXX XXXX that two overdraft protections were taken from our USAA VISA ( {$4500.00} and {$5000.00} ), we called and spoke for 3+ hours to USAA XXXX who agreed to refund 3 return funds charges ( of {$5.00} ea. ) that occurred when USAA sent back the 3 ea. {$5000.00}. But the return of funds caused the {$9500.00} overdraft on the VISA due to the withdrawals that totalled {$10000.00}. After many long phone calls, USAA finally 'investigated ' abt XXXX XXXX, but determined our son was at fault, and have not taken responsibility for not helping him. We filed a police report with XXXX XXXX XXXX, which investigation is still open. The PD understands this is fraud committed against a person with a XXXX. We have refused to pay off the VISA until this is properly resolved, and USAA has added over {$700.00} of fees/interest, and issued collections notices, and caused the father 's credit score to drop XXXX points.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84037
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I began working with a merchant in XXXX through the XXXX platform last year. I made two payments to them before I decided to enter into business with another merchant. I attempted to work with them to get my money returned to me but they instead insisted I stay up until XXXXXXXX XXXX to get on a video call with a manager whose intention was to bully me into continuing to work with them. I reached out to USAA and before I attempted to file the dispute, I asked the young lady if there was a time limit for disputes and she informed me there was not so I filed the disputes. Since USAA loves to let us know we are on a recorded line, they should be able to verify this. Now USAA is saying too much time has passed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: USAA XXXX XXXX XXXX. XXXX XXXX, TX XXXX Tel : XXXX ( XXXX ) Sir/Madam, I am writing to you to raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name XXXX and I lost a total amount of : XXXX USD The details of transactions : XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78504
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A