Date Received: 2022-09-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I was a victim of a scam. I was the treasures for an organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the president of the organization used to email me when I had to pay someone or a business for any services to the organization. One day I received an email asking me to wire XXXX to a USAA bank account. Then they asked me to XXXX XXXX to XXXX different email addresses. I sent the money and days later, I got a call from the XXXX asking me what is going on with the account and I told her I paid who she asked me to pay. She then tells me that she never emailed me so then I noticed that the email was first hacked then spoofed to make it appear that she was emailing me from the organization email. I then contacted XXXX XXXX and USAA so they can investigate the fraud transactions. They could not recover the money because they said that it was sent though a third party. I would like to recover the money because it was part of a scam and I fell victim to it.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They are unable to provide a paper trail for transfers between accounts and account holders. As such, I have 2 deposits made into my checking account that they are unable to determine the origin of. Unknown bank transactions. This bank has no idea where the transactions are coming from???
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72704
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: USAA has misrepresented balance and chraged a NSF from account. NSF serves no purpose and no action was taken from USAA, meaning this fee is a means to extort money from veterans and service members for no service rendered. I had a charge for {$30.00} on XX/XX/XXXX the balance at XXXX reflected more than the charge but a NSF was refunded.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of 2022, I discovered that my now ex-husband, had fraudulently opened a bank account and took a {$10000.00} personal loan out in my name without my consent. I have filed fraud with the bank and also with XXXX XXXX and it is still showing in my name that I owe this money. It is creating an issue with my credit report as it says I am the account holder, but did not sign for this account or open it. I did not have knowledge about this loan until XXXX of this year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX i got hacked from XXXX and when trying to get customer support i got sent a message from my bank ( scammers sent ) that a charge of {$990.00} was withdrawn in order to get some information on my account status they used an application called XXXX bank USAA ( I contacted ) called and try to reimburse that payment ( used XXXX app ) and they can not therefore i got drained of that momey.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: For the past 4 months I have been trying to tell USAA that the collection company they hired sent the ACCOUNT back to USAA. I even sent USAA the CFPB complaint letter that XXXX sent me saying they sent the ACCOUNT back to USAA. The office of the CEO at USAA is refusing to take care of my request to settle the account.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: USAA told me if I pay the amount I own for {$23.00} I could open up a new one they said its paid but they say cause cfpb thats y I cant open a new one cuz to you guys its looking unpaid but I paid it this my Id XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account Name : USAA SAVINGS BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 1. Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, XXXX, and XXXX. 7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX a XXXX condominium development company ( XXXX XXXX ) setup a display table in XXXX XXXX, located at XXXX XXXX XXXX XXXX. and was distributing brochures depicting renditions of future condominium development projects in XXXX and selling reservation / contracts. The XXXX XXXX sales representative came to our home the afternoon of XX/XX/XXXX. We were hesitant to buy but the sales rep indicated he was leaving town the next day and there was urgency to sign. The sales rep asked for and received the payment account information as part of the reservation process. Immediately after the sale rep left our home on XX/XX/XXXX, we contacted XXXX XXXX, spoke to the sales rep and cancelled the reservation. He indicated all sales are final and the {$1900.00} will be debited from my USAA checking account and the reservation fee was not refundable. On XX/XX/XXXX I delivered a written request to cancel the transaction- see attached. The XXXX XXXX company has refused to the acknowledge the cancelation request and is ignoring the 3 day right to cancel law. The cancellation email thread is attached for your reference. Scroll down in the email to locate the beginning of the conversation. 1. The USAA Federal Bank will not reverse the transaction even after receiving legitimate proof of cancellation. XXXX. XXXX is the third-party payment transfer company that debited the account on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX unlicensed foreign company pressuring people to by real estate and then refusing to follow existing consumer protection laws regarding right to cancel.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I made a XXXX dollar mobile deposit on XX/XX/2022 they gave me XXXX dollar credit and put a XXXX dollar hold on the remaining balance for seven days. I called to ask the reason for the hold and their response was that I had a low balance of {$8.00} on XX/XX/2022 and that was the reason for the hold. I am a low income single dad and this situation has caused me a great deal of financial trouble.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A