Date Received: 2023-03-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX XXXX, 2023, XXXX was taken from my USAA XXXX Checking account and placed into a CD to fund the credit limit for a secured credit card. USAA took a week to order a card and the card was finally received regular mail and not expedited on XX/XX/2023. Since receiving the card it was activated yet I have no usage of my available credit limit which is my money taken from my checking account due to usaa declining and blocking every transaction for no reason per USAA. USAA has not offered any real time resolution for me to have access to my cash. I had to be embarrassed in XXXX and XXXX when my card declined with available credit but USAA offered no assistance other than allegedly not knowing why the card is declining when there is available credit. I have been lied to repeatedly and it is beyond not acceptable having my money taken and not having access to it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: Between entering into a real estate transaction and the actual closing, the Attorneys e-mail address was purportedly hacked. The Attorneys name for the closing was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. His contact information is XXXX ( XXXX ) XXXX and ( XXXX ) XXXX. The total wired funds from USAA ( {$30000.00} ) and XXXX XXXX XXXX XXXX ( {$39000.00} ) were in the amount of {$69000.00}. Both banks indicated having received red flags over the wire transactions. The Attorney ( XXXX XXXX ) indicated in an e-mail that he was filing a claim with his insurance company ( this may or may not be true ). On XX/XX/22 a partial payment of {$3000.00} was returned to me from USAA. I spoke with USAA over the phone about this several times and each time was told to contact the receiving bank ( XXXX XXXX ). XXXX XXXX refused to give me any information since I am not a client with them. USAA indicated over the telephone that the {$3000.00} was made by XXXX XXXX XXXX from account ending in XXXX. The address and contact information for USAA is XXXX XXXX XXXX. XXXX XXXX, TX XXXX USAA ( XXXX ) XXXX XXXX A series of telephone calls between USAA and the receiving banks resulted in USAA telling me that the remaining funds in the amount of {$26000.00} would not be recovered. XXXX XXXX XXXX XXXX returned the total amount ( {$39000.00} ). I believe USAA should pay me the {$26000.00} ( like XXXX XXXX did ) as this was a fraudulent event. This fraudulent event was reported at the XXXX Police Department and has a Case Number of XXXX. I also have a copy of a IC3 report with the FBI.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13905
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I received a letter from the IRS stating that I owed over {$3000.00} dollars to USAA. I immediately called USAA. I was transferred repeatedly in regards to this issue and did not get any closer to resolving it. I was told I had a savings account that was overdrawn by over {$3000.00} dollars in XXXX I never had a savings account with USAA and I never had any sort of money in a savings account. The IRS received a 1099c ( I had never even heard of such a document until this morning ) from USAA and now the IRS is saying I owe that to them as taxable income. I have never in my life received a 1099c from any entity. The IRS is now coming after me saying that it is taxable income when my SSDI/VA benefits are not taxable. I have not filed taxes since my income is non- taxable. I had fraud on the account and took all necessary steps with USAA to close all accounts. I have not had any dealings with USAA until today when I found out the reason for the IRSs letter. I had no idea what was going on until I spent almost 2 hours on the phone with the IRS and then immediately called USAA in which I was on the phone for over 2 hours.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There where two check deposit of ( {$4900.00} ) one o. The XXXX and the other on the XXXX. What was happening was that when the deposit was made on the XXXX the subject then made five withdraws of {$980.00} ea. The same happened on the XXXX. A check of {$4900.00} was made and five withdraws were made of {$980.00}. I called the bank on the XXXX and notified them that it was not me and the didnt do anything about it. I told the bank that i was in XXXX which is in XXXX XXXX on the day that the transactions were happening. I submitted a complaint to the bank and they investigated it. However, when i asked for the paperwork regarding the investigations and it finding they denied my request to look at the documetation that led to the determination that I was liable. I submitted iteninary, passport with stamp dated XXXX XXXX to prove that I was in another country and that it was not me but USAA would not hear of it and still determine that I was responsible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX, I attempted to establish an independent auto insurance policy with USAA Bank. After not receiving confirmation of my XXXX month premium payment for XXXX made through the mobile app, I immediately contacted USAA banking center and was transferred to an insurance rep. I learned during the call with the rep. I couldnt have a policy without including my spouse who is a qualifying member. I decided to cancel the transaction that same day and requested the premium payment be refunded to my personal checking account that it was drafted. My spouse is not a joint account holder ; however, after several attempts to get my refund I was told the refund check would only be issued to my husband. I explained to USAA it was my right to my personal financial interests apart from spouse. USAA informed me on XX/XX/23 they will not reissue a refund check in my name and that I should have my spouse sign it over to me. I have an active auto loan in my name only with USAA ; therefore, the same should apply to my checking account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28083
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Usaa has reported me to XXXX XXXX XXXX for an account I didnt opened I lost the dispute with the bank and they sent debt and made it to where I cant get a bank account for the next 5 years I didnt do this and want it removed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a purchase online. USAA asked me to verify the purchase, which I did. USAA declined the transaction as fraud anyway and continues to restrict my checking account EVERY DAY. I have more than enough money to cover the charge and acknowledge I made the charge, but USAA ( by their own internal process ) has determined the charge is fraudulent. USAA, however, can not explain why the charge is fraudulent, and deem my account as " fraudulent '' on a daily basis. I have to literally call USAA to unrestrict my account EVERY DAY. I have called customer service as well as the " Member 's Resolution Team ''. They acknowledge that there is nothing they can or will do to stop this, and it is up to ME to verify my account to access MY funds. ****This is the most unbelievable customer service experience I have EVER had! ****** USAA ADMITS : * They don't know why ( and can not explain why ) my account has been deemed " fraudulent '' *They will continue to deem my account as " fraudulent '' and require me to call in to access MY FUNDS as long as the " system '' sees fit. They wouldn't even close my accounts out due to pending charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to use a usaa atm since its the bank I was using. On XX/XX/XXXX I went to withdrawal XXXX to pay for a roofing job I had got done. I did 3 transactions 2 for XXXX and 2 for XXXX and during one of the transactions I received XXXX counterfeit XXXX $ bills. I contacted the bank and they originally put I didnt receive the money from the transaction so I called them back once I was notified the investigation was closed. They opened it back up and I never heard anything back. They now closed my account and I still have the counterfeit bills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78207
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My insurance company ( USAA ) who is insured by XXXXXXXX XXXX questionably raised my premium by 600 % during covid-19, forcing my mortgage company XXXX XXXX XXXX XXXX, who is insured by XXXX XXXX , to nearly triple. USAA applied false claims to my insurance hence given reason for a premium increase. I found out about the false claims being added to my insurance record through another insurance company. I immediately call USAA to get this resolved. They took off several of the false claims but stopped cooperating with me afterward. All cost would later be passed on to me through the XXXX, mounting upto an additional $ XXXX in total. Now I owe more for my home than the original load price. I'm a XXXX XXXX XXXXXXXX veteran facing losing my home because USAA adding false claims to my insurance during COVID 19. I'm going to lose my home, if something isn't done quickly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A