Date Received: 2023-04-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: USAA, states payment was not made, on account which it was bank statement show this to be the case as well USAA put payment to wrong account and knew this to be the case and lied about it USAA stated was going to make the change put to right account The right account was the XXXX XXXX, payment was XXXX that was paid on time USAA did not fix the payment as stated over the telephone, just left it the way it was rather than to fix there mistake they made don't know if this was the case or not with wrong account? USAA went into card holder visa card account and with out NO right to do so paid XXXX dollars out of card holder visa account to the XXXX XXXX account with out card holder permission, that is a violation of the credit card agreement, USAA states this was done because the payment was not made on the XXXX XXXX, and because policy was in its renewal stage, as well the policy was delinquent because of the XX/XX/2023 payment was not made but it was, USAA knew that it was? USAA put payment to wrong account from what they stated, card holder did not know of this payment from the visa card until the statement was mailed out this is when card holder call to find out what was going on with the two accounts, nothing was change as stated by USAA, representative she stated was going to fix the accounts, but never did, and just went to the visa account and paid the XXXX XXXX payment the XXXX, USAA states the only thing that can be done is for card holder to pay the XXXX first and than they can put the XXXX back on the visa card account, not thinking that the car policy is wrong as well, card holder believe this was purposely done, base of the fact first payment not made, late charge of XXXX, went into visa account for payment, put payment to wrong account from what was stated, never fix the account, whats up with that, this is the second time had to file complaint about USAA pattern and practices, with card holder accounts, the last complaint was as well the visa account, this has to stop, card holder has been a long and out standing card holder for USAA, who as well has the XXXX XXXX, XXXX XXXX, as well a vias card that was paid off just last month for {$7100.00} dollars, in full and now USAA does this to there belove XXXX XXXX Veterans? " seriously '' thinking about canceling these contracts with USAA this is how they care about " VETERANS '' this last part is for [ CFPB card holder file complaints in the past and nothing was ever done so this will be the same protocol as before, it is what it is, ] at least the Public can review how USAA is helping there Military Veterans, I'Im just saying, and keeping it real Thank, You Card holder
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44224
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A few months ago, I closed my USAA insurance accounts because they claimed on several occasions that they did not receive my payments. Unfortunately for me every time they claimed to have not received a payment, I was charged a {$15.00} late fee. So, after several years of USAA losing my payments, I decided to change insurance companies to one who could properly process my payments without losing payments. After closing my accounts, USAA claimed that I owed them {$15.00}. The next month they claimed that I owed them {$30.00}. Enough is enough, I want them to stop contacting me and go away. I do not owe them anything. They can pay their own {$15.00} late fees from here on out. On XX/XX/2023 they sent me another harassing email regarding a debt collection for an account that I closed a long time ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase on my card - shortly after the purchase I noticed that I was overcharged from the original amount quoted to me. I reached out and filed a dispute on the charge around XX/XX/XXXX I contacted the dispute department on XX/XX/XXXX to follow up on the resolution as I had not heard anything. I was advised by the representative I spoke with that dispute was closed and a credit was issued back to me for {$940.00} During the conversation I confirmed once more that the case was closed and this was the final resolution- I still needed to pay for the services so I advised her I was going to pull out money separately to pay for the services but wanted to verify the case was closed and this was final - she stated it was final and the credit could not be reversed and no further action would be taken. Based on this conversation on XX/XX/XXXX I went to my bank on XX/XX/XXXX and pulled out just over {$900.00} and paid the company directly for my purchase. On XXXX I noticed that the credit I received from the original dispute was taken back and the original charge of {$940.00} was placed back on my card on XXXX. I contacted the dispute department to clarify what happened. During this call the representative advised again that there is no reversal to the credit- so I asked how or why was it reversed- she couldn't explain why but said the case was closed. Based on the expectation provided by the representative on XX/XX/XXXX I withdrew money from an account to pay for the services. If this expectation had not been set I would not have done this. Now I have already paid for the services in cash and had the services charged to my account- I have paid 2 times for these services. My actions were based on the expectation set by the representative - proof can be provided that I withdrew money to cover these services- if it wasn't for this misinformation I would not be out this additional money
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85365
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: On XXXX XX/XX/2023, at XXXX, I received a call from a gentleman who stated hes from the office the XXXX and this call is being recorded and I responded that I am not worried about it. I let the gentleman talk and he goes on to say that USAA was not responsible for the pass hard charges from the other auto agencies but he was finished, I told him that USAA was the cause of the ripple effect that caused the embarrassment and humiliation that my family has suffered. As well I explained to him that it was the lack of complacency or training that the representative had which caused the problem. He responded by saying that neither him or USAA could make any promises of granting me the loan if I refinanced but said that they overturned the credit check after his representative made the mistake. I responded to him that USAA made the mistake and have not apologized for making the mistake or making any attempt to make the situation right. I also responded by saying that I do not think that USAA will intend on making this right by me but hoping it will just go away. I told him that to continue this conversation is useless unless they are will to do more for the veteran instead of XXXX them over. I also said that I did not make the mistake and I did everything that I was instructed to do by other representatives even up to the point of being at being at the table to make a purchase and being embarrassed by USAA! Again it was to no avail if not getting a resolution! I asked does he have a boss and if this could be presented to a them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 a check that I deposited into my USAA savings account came back unpaid. This was after the check had posted to my account and funds were immediately available. I even called twice and asked if it cleared and was told yes. I waited 3 or 4 days before moving the money which was {$2000.00}. So come to find out the whole thing was a scam. The scam was I was the subject and my photos were used to create some art project. I was to send {$2000.00} to them and the rest was mine for being the subject and using my picture from social media. I never cash checks so I didnt know much about them but after the fact I found out I didnt even endorse the check. So now USAA freezes my account and I cant login or anything. I am a XXXX veteran and my federal XXXX check could not be stopped from being deposited into my USAA account because I was past the cutoff day even though I called the va and setup direct deposit the next day for it to go to my new checking account, the one I was forced to create with a different bank.So I called USAA and asked if I could just transfer the funds from my checking account into my savings to pay off the negative balance. I also requested for them to send me my XXXX check so I could pay bills. They told me I could payoff the negative balance, but that they were closing my account in 60 days and would send the Federal XXXX check ( {$2000.00} ) by mail.I did some research and found out that freezing or withholding federal XXXX funds is against the law. In my case, I met all the requirements and I called them and told them this information. I then requested my benefits again.I needed to pay rent and bills. This is now around XX/XX/XXXX or XXXX of XXXX.I was treated like I was the one who wrote the check that I deposited or something and told they could do nothing and would send it after 60 days, when the account is closed. Ive tried calling a few more times but got the same answers pretty much, just ignored and treated badly. I need my check to pay bills, and USAA Federal Savings Bank knows its illegal to withhold my Federal XXXX pay from me but still wont send it to me. I need help please!! Sincerely, XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A few months ago, I closed my USAA insurance accounts because they claimed on several occasions that they did not receive my payments. Unfortunately for me every time they claimed to have not received a payment, I was charged a {$15.00} late fee. So, after several years of USAA losing my payments, I decided to change insurance companies to one who could properly process my payments without losing payments. After closing my accounts, USAA claimed that I owed them {$15.00}. The next month they claimed that I owed them {$30.00}. Enough is enough, I want them to stop contacting me and go away. I do not owe them anything. They can pay their own {$15.00} late fees from here on out. On XX/XX/2023 they sent me another harassing email regarding a debt collection for an account that I closed a long time ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I received an email stating I owed {$110.00} for a cleaning of an apartment as part of my moveout. This amount was paid in full. I have an email stating that I have a XXXX balance dated XX/XX/XXXX. I recently applied for a credit card and this is showing up as an account in collections.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I just found out last week, the week of XX/XX/XXXX, that my car is out for repossession - apparently since XXXX of XXXX. The way that I found this out is that I got a credit alert that an account has been closed, and unbeknownst to me, it was my car loan through USAA for my XXXX XXXX XXXX. I am still in possession of the vehicle. I was under the impression that my loan was on autopay and would be drafted from my account. The really frustrating part of this scenario is that I have the means to pay all of my past due balances in addition to a good-faith payment to bring my account current. All that I want to do is to continue to make regular payments on this vehicle, set up to draft automatically, and to stop repossession attempts. I called USAA multiple times this week and spoke with different representatives and escalation specialists for hours, but they said the only remedy would be to pay the remaining balance in full. This amount is nearly {$50000.00} and I can not make that type of payment all at once. I even offered to make a good-faith payment in addition to all past-due payments to show my willingness to pay and continue to pay - but every representative, including managers, said that once it is marked as a charge-off, they have no other options. I was reading the promissory note and saw that there are many different remedies that can be taken - as well as both parties coming to a mutual agreement. To summarize : All that I want to do is to continue to make regular payments on this vehicle, set up to draft automatically, and to stop repossession attempts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: USAA is unlawfully withholding {$9300.00}. They mistakingly processed {$9300.00} return to an external bank when {$9300.00} should have been issued to me, as per their procedures. AND then they refuse to correct the problem, thus misplaced MY {$9300.00}. I want my {$9300.00} back to me, and I want criminal charges against USAA for illegally holding my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX I received an email at XXXX from Usaa that my securty token on my account had been deactivated. I contacted Usaa concerning the email. I stated I think something is going on, I had not been in my account and my token had been removed. The gentleman never addressed on questioned me about my deposits and withdrawals. Later that night in checking my noticed an email about a XXXX of {$1000.00} had been moved from my acct. Also the need to verify adding an account as a user. I went into my acct removed the request to add because I had not authorized new users. I also noticed theXXXX XXXXtransactio. I called around XXXX that night to dispute the transaction and he said to me he says a dispute is already on the transaction. I also asked him how long my other XXXX do woukd be on hold and he said u til XX/XX/XXXX. On XX/XX/XXXX a little after XXXX I received an email that a XXXX of {$1000.00} had been done. I called USAA discussed the second XXXX and asked about my call the night before where I asked if the previous XXXX had been disputed. The agent claimed there was no record of the call, it she out in my two disputes. Later that day on my joint checking there were charges of XXXX for a spa and a {$10.00} a beauty supply. I contacted USAA and disputed. TheXXXX they gave back. That night on my credit card I noticed several XXXX charges and another XXXX to a Beauty supple store I again called Usaa and they put in a dispute. To dateI have XXXX charges and XXXX have been provided back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A