Date Received: 2023-03-13
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: Attempted to purchase product from a fraudulent website. Never received item and when looking closer at website discovered it was a fake company that never sent receipt nor product. Bank denied fraudulent request. Transaction happened XX/XX/2023 XXXX denied dispute XX/XX/2023 Amount {$87.00} Transaction name : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: i ended online access to accounts and requested paper mail correspondence after several months i have received nothing including interest on my cd accounts i recently changed my phone number now usaa cant send a code to my old number everyone states they cant access my account they cant connect me to any dept that can and thier automated system does not accept any uploaded id which they require..Basically i am a phone number their system does not recognize my social security number they have my license dd XXXX and my auto policy i have no access to my money cant file taxes or any statements to keep with my important papers if i cant get my money how would my family
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My name is XXXX XXXX I'm XXXX veteran. And usaa not only XXXX me on my auto insurance policy but they think it's ok to garnish my wages that va XXXX and social security XXXX for a debt my wife owed and and iv tried closing the accounts I have with them and they refused my request 3 times now. And they keep returning all payments. XXXX is a XXXX and they need to be taught how to treat veterans. And XXXX and XXXX are some XXXX XXXX. I need instructions on how to file answer to garnishment in arkansas. I was never served with any paperwork before the garnishment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72023
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I alerted my bank USAA of fraudulent transactions from XXXX and and several accounts opened and money transferred into the new accounts from my savings and checking then these accounts were access via ATM and my money taken to the total {$4200.00} I was told that my money would be back in my account after an investigation. XX/XX/XXXX I called USAA to get and update and was informed that my accounts are being frozen and will be closed in 60 days and that I am being held liable for all the fraudulent transactions. I have been with USAA for 26 years. They dont have any physical branch I can go into and only talk over the phone. They say they are closing my accounts and I am being held liable because back in XX/XX/2022 my account hit with fraudulent activity. I need help please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I left the XXXX on XX/XX/XXXX after given two weeks notice of my discharge. As soon as I knew that I indicated that by filling out USAA 's transitioning service members resources. On XX/XX/XXXX I received no more income and since there wasn't any time to apply and be approved for normal VA and financial resources that Veterans receive I applied to several other financial assistance programs since and the only resources we ( my family and I ) have received was emergency food stamps as I was denied or received no reply for rent or utilities assistance, so my last option was to withdraw my retirement savings to prevent being sent a nonpayment of rent this month as well as paying for utilities and debts I owe. However, when I received this money and tried to deposit it, it was immediately put on hold and only less than 10 % of the balance was deposited, which I assumed had a {$10000.00} deposit limit. Because of these holds, which when I called today to see if they could remove it, they said they couldn't and wouldn't do anything until the hold was removed which is XX/XX/XXXX, which by then I will be sent nonpayment of rent this month and allow the landlord the option to begin eviction. I will also have more late fees for returned payments. I chose USAA specifically because I thought they would understand and be sympathetic to my situation since USAA only serves service-members and their families but now it feels like our only relationship between us is for debt collection. These holds also prevent me from preparing to move out of our house this month to attend XXXX school. I can't afford to wait until the XXXX to use my money and because of this I can no longer recommend USAA as The Service-members Bank as my treatment from my transition to civilian life has been a nightmare due to them. I will probably have to go into more debt just to not have my family and I be homeless
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been a customer of USAA since XXXX. All of my mortgages ( XXXX ) have been through USAA. As a result of COVID, I lost my job and took advantage of a loan deferral program to help us tread water during XXXX - XXXX. USAA was absolutely fantastic in their support approving a loan modification last year. Approximately 1- 2 months after the modification and after I had resumed my monthly payments in accordance with the new agreement, USAA sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX At that time, I was directed to cease making monthly payments while a new loan modification agreement was completed. XXXX XXXX confirmed that they had my existing XXXX on file but would not honor it. Although the representatives I have been interacted with for XXXX XXXX have been pleasant and well-intentioned in their desire to help me through this process, the process itself has been incredibly stressful, extended, and in my opinion, wholly unnecessary. As of today, it continues and the application process requires another restart. In XX/XX/XXXX, I received a letter stating that all of my documents had been received and that my file would be going into underwriting for final review and approval. Last week, I received a call that when I later returned, I was told I was missing some documentation but the representative had to investigate to determine what was actually missing. After a few days where I had not heard anything, I called and spoke with a representative who stated that our process would need to begin again because our loan was being forwarded to the foreclosure process. She encouraged me to immediately restart the process and shared with me some critical insight that illuminated the difficulty we had been experiencing with having to repeatedly submit the same documents to their modification email address. She stated that if clients were sending documents to that address as directed, XXXX XXXX " may or may not '' get it. She guided me towards another email address, " researchincoming '', as the better address that would be more reliable. She stated that she always directs her clients away from the modification email address. I restarted the process this week, XX/XX/XXXX, using the new address and resubmitted all previous docs that I understood had been previously received. I also submitted additional info indicating a new role I was starting and the income impact it would have for their consideration. I received a document error notice this morning requesting multiple adjustments and resubmissions of documents. There appears to be no way for XXXX XXXX to connect previous efforts to current situation and the stress of it is unbearable. Again, the reps have been very pleasant. I continue to believe that this process is unnecessary given that I was operating under an approved loan modification agreement. Part of the appeal our current home has to us is that it allows us to be primary care providers to our our aging parents as the need arises. I have already assumed care responsibility for my Mother who was diagnosed with XXXX XXXX in XXXX and is living in the home with us currently. Being her care provider is significant stress on its own merit and I would like to quickly remove as much stress as possible so we can focus on this important matter concerning her. Thank you kindly for your support to resolve.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: My mother opened a USAA savings and checking account as well as credit card and now the bank has opted to no longer do business with me. Now they say I owe {$680.00} and it's being sent by a debt collector. I know I didn't make any charges or use this money they are asking for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 I was robbed of my phone and assaulted and had {$4000.00} extracted from my checking account. I immediately reported the situation to the police and contacted USAA to close my accounts. Per USAA protocol my {$3000.00} of my money was restored but after a week or so USAA decided my case did not look like fraud and decided to take my money back. I submitted the attached police report multiple times to USAA but keep receiving a response of " this doesn't look like fraud to us ''. I've asked multiple times to speak with the people who make the decision to deny cases and even to just find out what they're denying it for. Out of multiple requests I only received one callback, which happened while I was at work, and before I could return the call ( for which they only provided the general customer service line ) they closed my case again. This has been going on a year now and USAA has done nothing but ignore my requests and provide me shady responses to why they don't think my situation, with a detailed police report, is fraudulent. I do not think USAA is making good on their commitment to their members and feel now is the time to escalate.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hello, let me start that I've been with USAA for 16 years and have never encounter this type of problem before and I really don't understand what's going on? I submit a claim to my auto insurance, and they refuse to pay for my extended two days rental car which is their fault because they didn't send the check on time to the Bodyshop that was fixing my car so I couldn't pick up my car when was ready because the owner of Bodyshop refuse to release my car without receiving the check from USAA, I call Usaa and they are very rude, refuse to talk to XXXX and to close my claim, USAA also doble my auto insurance I use to pay {$220.00} a month they double {$440.00} a month I call and ask why and the agent told me it's what it's, really? at this point I want to move my auto insurance somewhere else and still they refuse to close my Claim and every time I call they hang up on me or refuse to talk to me at all. Claim still open and I retrieve my car more than a week ago. I need help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A